Parents In Your 40s, This Is Too Important Now To Do (Plus 5 More Moves)

*You asked for more moves, so we’ve added 6!

You might think this can wait, but it shouldn’t. You can do it right now with ease and a few minutes.

What would happen to your family if something were to happen to you, who would pay the rent or mortgage? If there’s one thing on your list of things to do today, do this. You can leave your family up to an extra $3,000,000. That goes a very long way for just about anyone.

We’re talking about life insurance, it’s extremely important (and even if you already have a policy, you’re allowed to get a second policy, and this one is very affordable). The reality is the longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate as soon as possible. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need.

You can answer a short questionnaire online and get a free quote in minutes from Ethos life insurance, rated the #1 online life insurance provider by Forbes. Ethos has provided over $34 billion in life insurance coverage to more than 200,000 families.

It starts at just $1 a day. See your rate in 5 minutes online now (no medical exams, no blood tests). And it’s free to check, don’t wait until tomorrow.

2. Get Matched With A Top Financial Advisor With Ease (Not Just For The Super Rich)

Raising kids cost a lot. If you have over $50,000 in your portfolio (it could be cash, stocks, bonds, or combination of all 3), then proceed to take the free retirement quiz and get matched with up to 3 financial advisors.

This quick and easy quiz from SmartAsset (a company that has been featured in the Wall Street Journal and Forbes) helps you connect with vetted fiduciary advisors and get a free, no-obligation consultation. Whether you’re nearing retirement or just starting to plan, expert guidance can make a big difference.

Managing a portfolio over $50k comes with real responsibility—and real opportunity. From optimizing your tax strategy to balancing growth and income needs, a professional advisor can help you make informed decisions that support your goals. The SmartAsset quiz takes just a few minutes and asks a few key questions about your financial situation, timeline, and preferences. Based on your answers, it matches you with advisors who are well-suited to guide your retirement planning.

There’s no cost to get matched or take the quiz, and the consultation with each advisor is completely free. This is your chance to gain clarity and confidence about your financial future—without pressure or obligation. Ready to take the next step toward retirement security? Click the right here and take the free quiz to get matched with up to 3 fiduciary financial advisors today.

3. Make More Money For The Family: Get Up to $5,000,000 In Funding To Grow Your Business (But You Must Have Over $50,000 In Annual Revenue & Have Been In Business At Least 1 Year)

Think you could make use of more cash for working capital and payroll, expansion, purchasing inventory or equipment, acquisitions, or something else? Most businesses can make use of extra funding to grow and make more money.

Check how much cash you can get with a few clicks on the Fundera website right now. Just enter some basic info about your company.

Over 85,000 companies have secured more than $2.5 billion through Fundera.

The Fundera service is free to use. Fundera will show you pre-approved offers from up to 20 funding options up to $5,000,000 in 2 minutes.

Find out right now how much funding Fundera might get your business.

4. More Money To Fund Things: Use Your Home Equity To Access Up To $250,000 At A Lower Interest Rate

This is not available in Texas, New Hampshire, Missouri, or Virginia.

If you want to access $25,000 to $250,000 in cash for virtually any reason, you could use your home to get a home equity line of credit with Upstart instead of using a high interest credit card or other higher interest loan options. This could save you a ton of money in larger interest payments.

A home equity line of credit allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral, a home equity line of credit will usually provide you with better interest rates than unsecured loans or credit cards. You can borrow money from your home equity line of credit as needed up to your credit limit, and pay it back in monthly payments.

Upstart is a leading marketplace that has originated $42 billion for 3 million customers. Rates start at just 6.52% APR.

And you can check your rate now right here with Upstart in minutes and find out how much cash you could get.

*Upstart Mortgage offers HELOCs from $26K-$250K. The exact amount you may borrow depends on what you qualify for based on your application information.

All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873.

5. Invest In Gold As A diversification (Don’t Put Everything In One Basket)

For a long time, the wealthy have been aware that gold is one of the top ways to safeguard their money. Investing in gold is a straightforward way to diversify your portfolio.

Do you have at least $10k in one bank account balance? Or at least $10k in an existing retirement account? If so, then a gold IRA could be a great way to diversify. A gold IRA (investment retirement account) could help you take advantage of investing in gold with big tax benefits, and it’s easier to set up than you might think.

A company named Birch Gold is a leading dealer of physical precious metals in the United States. They can help you set up a gold IRA with ease. With a gold IRA, investing in gold can be as easy as investing into stocks.

Right now they have a promotion that you can get up to $10,000 in precious metals for free if you qualify. Enter some basic information and grab your free Trump Gold Guide info kit, a Birch Gold Group gold expert will contact you for a free no-obligation consultation right here. Make sure to ask how you can qualify for up to $10,000 in free precious metals and ask any questions you can think of!

Get your free info kit and free phone consultation right here.

6. If You’re Self Employed Get The Free Banking & Accounting Software Built For You (Kids Can Drive You Crazy, Your Business Should Not)

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up, with no credit check, no minimum balance, and no required monthly fees. Deposits are insured up to $250K through their banking partner, Lead Bank.

• Business bank account, debit card, no credit check, no minimum balance, and no required monthly fees. Free to sign up.
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found (Schedule C filers only)
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required monthly fees.

Ready to take your self employed banking to the next level? See why 500,000 customers have chosen Found. Sign up for an account here for free in under 5 minutes. Click “Get started” right here to start the sign-up process.

Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Lead Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted. *Found’s core features are free. Found also offers an optional paid product, Found Plus for $19.99 / month or $149.99 / year. Advanced, optional add-on bookkeeping software available with a Found Plus subscription. There are no monthly account maintenance fees, but transactional fees for wires, instant transfers, and ATM apply.