10 Smart Money Moves to Retire

Retire with more by starting with these easy moves

Crush High-Interest Debt First: Debt with double-digit interest rates is like trying to fill a leaky bucket. Pay down credit cards and personal loans aggressively. Every dollar you wipe out in interest is a dollar that can start working for you instead of the bank.

Catch Up Like It’s Your Last Job: Being 50 or older comes with a financial bonus — bigger contribution limits. You can put thousands more into your 401(k) and IRA each year. It’s like a legal cheat code to build your nest egg faster while also lowering your taxable income.

Turn Idle Time Into Income: Your free time has value — especially if you use it to build passive income. Start a side hustle, buy dividend-paying stocks, rent out a space, or sell your expertise online. People who retire early often have more than one stream of income. You can too.

Track Every Dollar (Just for 30 Days): Most people think they know where their money goes — until they write it all down. Do a one-month audit of your spending. You’ll spot patterns, cut waste, and uncover cash you can redirect toward savings or investing. Awareness is the first step to wealth.

Put Your Savings on Autopilot: The easiest way to save more? Stop relying on willpower. Set up automatic transfers into a high-yield savings account or retirement fund. Even small amounts grow fast when they move consistently.

See if your credit card debt is eligible for this debt relief program

If you have a lot of debt, getting out of it can feel stressful (and nearly impossible). Here’s the problem: the longer you put off tackling it, the harder it may get to fix. If you don’t take control of it before you retire, it can add undue stress to your life for years. But what if there was a way to get out of debt once and for all?

National Debt Relief could help. If you have more than $30,000 in debt from credit cards, medical bills, collections, or personal loans, their representatives may be able to help you resolve your debt for less than you owe — with one low monthly program payment.

Best of all? There are zero upfront fees, and you could be debt-free in 24-48 months. To get started, just answer a few simple questions and get connected with a caring representative. The consultation is completely free and only takes a few minutes to see if you qualify!¹ <p>Clients who complete the program and settle all debts typically save around 45% before fees or 20% including fees over 24–48 months, based on enrolled debts. “Debt-free” applies only to enrolled credit cards, personal loans, and medical bills. Not mortgages, car loans, or other debts. Average program completion time is 24–48 months; not all debts are eligible, and results vary as not all clients complete the program due to factors like insufficient savings. We do not guarantee specific debt reductions or timelines, nor do we assume debt, make payments to creditors, or offer legal, tax, bankruptcy, or credit repair services. Consult a tax professional or attorney as needed. Services are not available in all states. Participation may adversely affect your credit rating or score. Nonpayment of debt may result in increased finance and other charges, collection efforts, or litigation. Read all program materials before enrolling. National Debt Relief’s fees are based on a percentage of enrolled debt. All communications may be recorded or monitored for quality assurance. In certain states, additional disclosures and licensing apply. ©️ 2009–2025 National Debt Relief LLC. National Debt Relief (NMLS #1250950, CA CFL Lic. No. 60DBO-70443) is located at 180 Maiden Lane, 28th Floor, New York, NY 10038. All rights reserved. <b><a href="https://www.nationaldebtrelief.com/licenses/">Click here</a></b> for additional state-specific disclosures and licensing information.</p>

See if your $30k+ in credit card debt is eligible for National Debt Relief

Cancel your car insurance

Driving without car insurance is illegal. But if you’ve been driving for decades and you do this, you’re not actually breaking the law.

This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used Insurify and now I’m able to pay just $51 a month for two cars.² <p>Actual savings and coverage options vary based on factors such as driving history, location, and insurer policies. The rates shown in this example may not reflect what every user will qualify for.</p> Too many insurance companies do this. They push up our rates and make us pay even more. But if you want to try this tool and compare and potentially score same-day savings, here’s what to do:

1. Click the link below and enter your zip code, date of birth, and phone number.
2. Answer a few questions about your car’s make and model to get matched with top offers.
3. Choose the best quote for you and lock it in before rates go up.

Compare rates now and see if you could score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.

Claim special travel benefits by doing this (see if you're eligible)

If you're someone who loves to travel, the Capital One VentureOne Rewards Credit Card(Rates and fees) is the perfect companion for your adventures. New cardholders can earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

But that's not all. When you use the VentureOne card, you can earn 1.25 miles per dollar on every purchase, every day and 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.

Redeem miles for flights, hotels, and car rentals, OR statement credits, gift cards, and transfers to over 15 airline or hotel partners! This means that your dream vacation could be closer than you think, thanks to the rewards you earn from everyday purchases! There is also no annual fee and no foreign transaction fee.

So if you're gearing up for your next adventure, the Capital One VentureOne Rewards Credit Card(Rates and fees) should be at the top of your wallet.

Annual fee: $0

Purchase and Transfer APR: 18.74% - 28.74% (Variable)

Click here to apply for the Capital One VentureOne Rewards Credit Card now

Diversify your hard-earned retirement savings with gold

You’ve spent your whole life building up your retirement savings, but market volatility and inflation could be threatening everything you’ve worked so hard for.

American Hartford Gold is actively helping Americans like you find greater retirement security with precious metal investments. They offer everything from physical ownership to IRAs in gold and silver that have a proven track record during unstable markets.

In fact, from 2005 to 2020, the price of gold increased by 330%. And during the stock market crash of 2008, the value of gold actually increased by 25%.³ <p>Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All securities involve risk and may result in significant losses.</p>

Take control of your legacy today in 3 easy steps:

• Request your FREE Gold IRA guide.
• Speak to a dedicated specialist about the best option for you.
• Transfer or invest to better diversify your portfolio.

You're in good hands, as they boast an A+ rating with the BBB, are ranked #1 gold company on the Inc. 5000 list, and are exclusively endorsed by Bill O’Reilly. Take control of your savings and download your FREE Gold IRA Guide to get started.

Save potentially $1,000 or more on home insurance in Columbus

Most people don't even think twice about what they pay for home insurance. Huge mistake. Especially if you want more money in retirement. If you live in Columbus and you haven’t checked rates recently, you could save potentially $1,000s.

Provide Home Insurance is actively helping homeowners score huge savings on better home insurance. They bring top insurance providers together to compete for your business, potentially giving you a better deal. This could drive the cost down for you by orders of magnitude.

You could slash the cost of home insurance by tapping into potential discounts and incentives most homeowners probably don’t even know exist.

You might be eligible if you check these 3 boxes:

1. You own your home.
2. You are willing to switch providers to save money.
3. Your ZIP code qualifies.

Complete this short questionnaire to see if you qualify

Take advantage of massive discounts at restaurants and meal delivery companies

Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on:

• Restaurants (save up to $450 per year!)
• Meal deliveries
• Airfare, Hotels, Cruises and Rental Cars
• Eyeglasses and even prescriptions that aren’t covered by insurance

Plus you’ll also get insider info on social security, job listings, caregiving, and retirement planning.

How to become a member today:

• Click the link below, select your free gift, and click “Join Today”
• Create your account (important!) by answering a few simple questions
• Start enjoying your discounts and perks!

Get 25% off your AARP membership, making it just $15 the first year with auto-renewal

Learn 7 ways to generate income with a $1,000,000 portfolio

If you have $1,000,000 saved up, this guide is for you. The last thing you want in retirement is to run out of money. Instead, you want your money to generate a real income while you enjoy your life.

Now you can learn the strategies wealthy retirees use to fund their retirement with $1,000,000 — and how you can, too — with this new guide: The 7 Secrets of High Net Worth Investors from Fisher Investments.

Fisher Investments has helped tens of thousands of investors retire comfortably since 1979. With over $332 billion under management, they provide tailored money management to help achieve long-term goals. Download the guide today!

Get your guide here

Ask this company to help you pay off your late tax debt

Past-due tax debt is overwhelming.

It weighs on your mind and causes massive anxiety. You end up emotionally and physically drained. Plus, owing back taxes could affect your Social Security benefits — the IRS can garnish a significant portion of your benefits to satisfy delinquent tax debt.

Alleviate Tax is designed specifically to help you get out of tax debt faster and could reduce some of the debt you owe.

While most tax companies just put you on a payment plan and file your taxes for you, Alleviate Tax talks to the IRS directly. They can help you pay off your tax debt faster while potentially reducing what you owe.

Important: Not everyone will qualify. To take advantage of this special program you must owe more than $10,000 in past-due taxes. If you're ready to make retirement what you always dreamed of and you're ready to get out of debt for good, take a few minutes to see if you're eligible.

Answer a few questions to get started

Get the budgeting app that truly does it all

You think you're doing fine financially. You pay your bills, you save some money, and you're not eating out every meal. But do you really know exactly where your money’s going?

Monarch lets you visualize your spending with intuitive diagrams. Most people are scared to look. But once you see exactly where every dollar goes, you can finally take control.

This powerful all-in-one budgeting app is not only great for tracking, but gives you a true view of all your assets in one place, and our editor Greg loves it.

“I love Monarch Money. It was such an easy way to see where my money was going vs building a budget from scratch. The real value is giving my wife access so we can both follow along together!”

Monarch’s money tools are top-notch, which means they do come with a cost — as low as $8.33/mo. But you can get started today with a 7-day free trial. Plus, for a limited time, get 50% off your first year with code MONARCHVIP.

Try Monarch for free today and get 50% off your first year with code MONARCHVIP

You could be overpaying for your retirement planning

Fees matter. High fees can cut into your returns and affect your overall nest egg. But the ways fees are levied vary. Some are “fee only,” charging a flat rate regardless of usage. Others take a percentage of all assets under management. Some earn commissions directly from mutual funds or other financial products, which presents a significant conflict of interest.

This free matching quiz helps Americans get matched with up to three fiduciary advisors who serve their area so they can compare and decide which advisor to work with.

Set up direct deposit - pocket up to $500

If you aren't banking with Bank of America, you could be missing out on a huge boost of extra cash just by following a few simple steps.

Earn a bonus of up to $500 when you open a Bank of America Advantage Banking account through this page by January 31, 2026, and set up and receive Qualifying Direct Deposits into your new account within 90 days of account opening. Your bonus amount will be based on the total amount of your qualifying direct deposits received in the first 90 days.

This is practically passive income and a great way to supercharge your earnings. It basically takes no extra work at all other than following the steps above.

Open your account and earn up to a $500 bonus

Ohio homeowners could access up to $400,000 thanks to this

If you want to renovate your home or consolidate debt before you retire, you could get a loan. But if you own a home in Ohio and have decent equity, you need to see this instead. This popular program lets you tap into up to $400,000 fast, without affecting your mortgage rate or getting into more high interest debt.

Rocket Mortgage is actively helping homeowners use their home’s equity to wipe out toxic high interest debt or finally tackle big home upgrades. Their tool finds your lowest eligible fixed rate and gets you the money you need so you can use it immediately. No hidden fees. No long waits. No hassle.

Slash your interest burden and fix what’s broken without giving up your current mortgage rate.

You might be eligible if you check these 3 boxes:

1. You’ve owned your home for 2+ years.
2. You’ve built some equity.
3. Your credit score is 680 or higher.

See how much cash you can access (no impact to your credit)

Overpaying on Windows: Ohio residents save big on new windows

Old windows drive up your home's electric bill. But if you live in Ohio and your windows are 5+ years old, you could save $1,000s.

Renewal by Andersen is actively helping homeowners score these huge savings. Their certified experts install energy-efficient windows that can cut monthly bills and instantly upgrade your home’s comfort and value. If your windows are aging, this is one of the fastest ways to lock in huge savings.

Slash the cost of new windows by tapping into Renewal by Andersen’s seasonal promotions (see BONUS below), high-impact per-window discounts, special financing offers, and qualifying ENERGY STAR® tax credits most homeowners never even realize they can claim.

Get started now if you check these 3 boxes:

1. You own your home.
2. Your windows are 5+ years old.
3. You live in an available ZIP code.

Complete this short form and access up to 40% off!

BONUS: For a limited time, buy one get one 40% OFF.⁴ <p>DETAILS OF OFFER: Offer expires 12/31/2025. Not valid with other offers or prior purchases. Buy one (1) window or entry/patio door, get one (1) window or entry/patio door 40% off, and 12 months no money down, no monthly payments, no interest when you purchase four (4) or more windows or entry/patio doors between 9/30/2025 and 12/31/2025. 40% off windows and entry/patio doors are less than or equal to lowest cost window or entry/patio door in the order. Additional $200 off your entire purchase, minimum purchase of 4 required, taken after initial discount(s), when you purchase by 12/31/2025. Subject to credit approval. 12-month Promo Period: while no payments are due, interest accrues but is waived if the loan is paid in full before the Promo Period expires. Any unpaid balance owed after the Promo Period, plus accrued interest, will be paid in installments based on the terms disclosed in the customer's loan agreement. Financing is provided by various financial institutions without regard to age, race, color, religion, national origin, gender, or familial status. Savings comparison based on purchase of a single unit at list price. Available at participating locations and offer applies throughout the service area. See your local Renewal by Andersen location for details. License numbers available at renewalbyandersen.com/license. Some Renewal by Andersen locations are independently owned and operated. See Renewal by Andersen® Products and Installation Transferable Limited Warranty for detail "Renewal by Andersen" and all other marks where denoted are trademarks of Andersen Corporation. ©2025 Andersen Corporation. All rights reserved.</p> Plus, get $200 off your purchase!⁴ <p>DETAILS OF OFFER: Offer expires 12/31/2025. Not valid with other offers or prior purchases. Buy one (1) window or entry/patio door, get one (1) window or entry/patio door 40% off, and 12 months no money down, no monthly payments, no interest when you purchase four (4) or more windows or entry/patio doors between 9/30/2025 and 12/31/2025. 40% off windows and entry/patio doors are less than or equal to lowest cost window or entry/patio door in the order. Additional $200 off your entire purchase, minimum purchase of 4 required, taken after initial discount(s), when you purchase by 12/31/2025. Subject to credit approval. 12-month Promo Period: while no payments are due, interest accrues but is waived if the loan is paid in full before the Promo Period expires. Any unpaid balance owed after the Promo Period, plus accrued interest, will be paid in installments based on the terms disclosed in the customer's loan agreement. Financing is provided by various financial institutions without regard to age, race, color, religion, national origin, gender, or familial status. Savings comparison based on purchase of a single unit at list price. Available at participating locations and offer applies throughout the service area. See your local Renewal by Andersen location for details. License numbers available at renewalbyandersen.com/license. Some Renewal by Andersen locations are independently owned and operated. See Renewal by Andersen® Products and Installation Transferable Limited Warranty for detail "Renewal by Andersen" and all other marks where denoted are trademarks of Andersen Corporation. ©2025 Andersen Corporation. All rights reserved.</p>