7 Subtly Genius Things All Wealthy People Do With Their Money — That You Should Do, Too

These moves don’t have to be reserved for the super rich.
It can feel like the super wealthy have access to some secret money playbook the rest of us never got. And in a way, that’s true. They have connections and access that most of us simply will never have.
But there’s good news: A lot of things the ultra wealthy do with their money are perfectly accessible to us — we just have to be smart enough to take advantage.
These are some of the most subtly genius things all rich people do with their money. The best part? You can do them, too.
1. They Know You Can Get Access to Up to $500 Whenever You Need It
We all have unexpected expenses pop up on occasion. And wealthy people know better than to rely on high-interest loans when they need cash.
They know an app like MoneyLion’s Instacash® will let you access up to $500 when you need it most — with no interest, no credit check and no mandatory fees with 1 to 5 business day delivery*.
Just download the MoneyLion app to sign up for Instacash, link your eligible bank account where your paycheck lands to see if you qualify, then select the amount of cash you want, up to $500.
Plus, your repayments are automated based on your pay schedule, so you can set it and forget it.
Want access to up to $500 whenever you need it? It takes just a few minutes to download the app for free and get started.
2. They Earn Passive Real-Estate Income — You Can Start With Just $1K
Investing in real estate has always been a way the wealthy earn passive income. There’s just one problem. We can’t all afford to just go out and buy a rental property.
Luckily, a company called Arrived lets you invest in rental homes and vacation properties with a minimum investment of just $1,000. The best part? You don’t even have to be a landlord. Arrived handles all the nitty gritty work.
The process is simple. Just sign up, then browse the available properties, like a single-family rental home in Charlotte, or a vacation rental in the Catskill Mountains. You decide how much you want to invest, then watch for property appreciation and quarterly rental income payments.
More than 540,000 people have already invested with Arrived, and it’s already paid out $3.5 million in dividends to its investors. Depending on the property and terms of the investment, investing in single-family and vacation-rental properties has historically yielded between 6% and 15% returns.
Want to start earning passive rental income? Click here to get started and see how much you can earn.
3. They Stop Wasting $1,025 a Year on Car Insurance
Odds are, you’re probably paying way too much for your car insurance every month. And it can seriously add up — to the tune of $1,025 a year.
Wealthy people know better than to overpay. Fortunately, Insurify lets you compare all your car insurance options at once — and it can save you up to $1,025 a year.
Just enter some basic details about your car and background, you’ll get customized quotes you can review on your own time and from the comfort of home.
Ready to cut your car insurance bill? It’s easy to get started here and see how much you can save.
4. They Know You Should Protect Your Portfolio With Precious Metals
If the past few years have shown us anything, it’s that disruptions to the market can come out of nowhere. Between the pandemic, supply-chain issues and bear markets, a lot of people’s retirement savings felt the impact.
That’s why it can be a smart idea to look for ways to protect your retirement savings from the unpredictable. For a lot of people, investing in precious metals is a way to diversify and protect their investments.
One way to do this is with a precious metals IRA through a company like Priority Gold. Precious metals often outperform other investments in a volatile market, and their value tends to rise with inflation, making them an effective hedge during uncertain economic times.
Opening a gold or silver IRA is easy, and you can roll over funds from existing retirement accounts without any taxes or penalty fees. Or you can buy gold and silver directly from Priority Gold’s extensive collection.
Worried you may need to sell your precious metals in the future? Priority Gold offers a no-fee buy-back program. Plus, Priority Gold has an A+ rating with the Better Business Bureau.
Right now, Priority Gold is offering up to $10,000 in free silver with qualifying purchases, and you’ll get free account setup, free insured shipping and free storage for up to five years.
Want to diversify and safeguard your investments by adding gold and silver to your portfolio? It’s easy to get started here and get your free guide. Right now, Priority Gold is offering up to $20,000 in free silver on qualifying purchases.
5. They Know You Can Get Matched with a Financial Advisor for Free
As much as we might like to think we have it all figured out, most of us could stand to benefit from an expert opinion — especially when it comes to our finances. The professionals simply know things we don’t.
But the idea of getting a financial advisor sounds expensive and tedious. That’s why we like a company called WiserAdvisor. They’ll match you with a financial advisor in your area — for free.
No two people have the same financial situation, which is why WiserAdvisor matches you with the best financial advisor for your specific situation, so you get an expert in the areas you need.
There’s no obligation to hire the advisor, and WiserAdvisor screens every advisor to make sure you’re only getting matched with the best experts.
Want to get a customized financial plan? Just start here to get matched with a financial advisor for free.
6. They Protect Their Wealth From Identity Fraud
Wealthy people know that money attracts not just opportunity — but also predators. That’s why they guard their identities and sensitive data as fiercely as their investments.
The good news? You can do this, too. A company called LifeLock monitors your personal and financial data for suspicious activity, alerts you if something’s wrong, and its experts help restore your identity if it’s stolen — even covering up to $1 million in legal fees and expert help.
Once you sign up, you can set your monitoring preferences, and LifeLock will monitor your sensitive data 24/7, keeping an eye on your Social Security number, bank accounts and more. If identity theft happens, one of its U.S.-based experts will help you fix it.
Millions of people already trust LifeLock to keep their identity — and their finances — safe. Right now, you can try it for free for 30 days.
It’s easy to get started here and make sure your savings are protected.
7. They Know You Can Get Up to $1,000 in Free Stock Just For Investing
Wealthy people know how important it is to invest — and they never pass up an opportunity to add extra money to their wallet.
Want to take a page out of their book? Good news: When you invest with SoFi Active Invest, you can earn up to $1,000 just for opening and funding an account. All you have to do is open and fund a new account within 30 days.
Once you open your account, you’ll get access to commission-free trading on stocks and ETFs, plus you can buy fractional shares of your favorite companies. Unlike other platforms, SoFi® has no account minimums and no hidden fees, so you’ll keep more of what you earn.
It takes just a few minutes to open an account. Get started here and fund your account within 30 days to earn up to $1,000.
Instacash® is subject to terms and eligibility requirements.
* Fees apply for optional Turbo delivery within minutes
Customer must fund their Active Invest account with at least $50 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%. See full terms and conditions.
Other fees, such as exchange fees, may apply. Please view SoFi’s fee disclosure to view a full listing of fees
INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
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