1. They Know You Can Grow Your Money More Than 13x Faster

Wealthy people know that your money should be working for you. If you’re keeping your savings in a traditional savings account, it’s probably not doing much for you. In fact, the latest numbers from the FDIC show that the average savings account only pays 0.41% APY.*

If you want to grow your money faster — 13 times faster* — one option you might consider is the Gainbridge^® FastBreak™ annuity. You’ll earn up to 5.35% APY** on this annuity, which comes with a self-managed platform and the ability to withdraw your money without a tax penalty before age 59 1/2.

An annuity is a contract between you and an insurance company that promises you a future payout in regular installments, usually monthly and often for life. The Gainbridge^® FastBreak™ annuity comes in three to 10 year terms, in premiums of $1,000 to $1 million, and you’re able to withdraw up to 10% of the account value each year.**

The FastBreak™ annuity is self-directed, easy to set up and comes with 30 days to cancel your contract if you change your mind.Want to start growing your money 13 times faster* than if you kept it in a savings account?

Get started here to start earning up to 5.35% APY.**

2. 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. 

3. 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. 

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 Save Up to $1,025 a Year on Car Insurance

Odds are, you didn’t drive off with the very first car you looked at. You researched models that fit your needs and lifestyle. But when it came to car insurance, you likely went with the first option you found. 

Now, you’re probably paying far more than necessary for your monthly premiums. Over time, those extra costs could add up to hundreds of dollars a year.

Wealthy people know to find the best deal. Fortunately, Insurify makes comparing car insurance simple and efficient — and it can save you up to $1,025 a year. On a single platform, you can browse insurance offerings from some of the most respected providers. After entering basic details about your car and background, you’ll receive customized quotes that you can review on your own time and from the comfort of your own home. 

There’s room for you on the superhighway of Insurify shoppers who have lowered their yearly premiums by up to $1,025, contributing to over $44 million in collective savings every year.

Ready to cut your car insurance bill? It’s easy to get started here and see how much you can save. 

6. 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.

7. They Know You Can Get $280/Year in Cash Back on Gas and Other Things You They Already Buy

The super wealthy know the devil is in the details — that’s why so many of them keep a close eye on every dollar they spend. It’s something any of us can do by using a free cash-back app like Upside. 

Upside pays you cash back on things you already have to buy, like gas, groceries and restaurants — frequent users earn an average of $280 per year.

Once you download and install the free app, just browse its more than 100,000 participating grocery stores, restaurants and best of all, gas stations, to find a cash-back offer near you. These are always changing, but we’ve seen up to 24 cents back per gallon.

Claim the offer you want and buy your items with your usual debit or credit card. After, check in with Upside to verify your purchase. Upside will verify your purchase and then add the cash back to your Upside account (this can take up three business days). Then you can cash out directly to your bank account, or via gift card. 

Upside pays its users $1 million each week, and the app has a 4.7 star rating from more than 250,000 reviews. 

When you download the free app right now, Upside will pay you an extra 25 cents per gallon on your first tank of gas. Hurry though, this offer expires soon. Get started to see how much cash back you can earn on gas, food and other things you already have to buy.

8. 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. 

{{text: rateTexts.expertAdviceHeader.text}}

BROUGHT TO YOU BY {{image: rateUrls.logoPath}}

{{html: rateTexts.expertAdviceProTipsCopy.html}}

{{text: rateTexts.expertAdviceClientName.text}} Sponsored Tip {{tooltip: rateTexts.expertAdviceToolTipCopy.text}}

{{text: rateTexts.expertAdviceAdTitle.text}}

{{html: rateTexts.expertAdviceAdCopy.html}}

{{text: rateTexts.ctaButton.text}}

{{image: rateUrls.logo300X25Path}}

*Source: FDIC, national average of savings, week of 02/18/25. Rates subject to change.

**Gainbridge^®: Annuity rates are subject to change at any time, and the rate mentioned may no longer be current. Please visit Gainbridge.io for current rates, full product disclosures and disclaimer. Withdrawals above the 10% free withdrawal amount are subject to a withdrawal charge and market-value adjustment. FastBreak™ is issued by Gainbridge Life Insurance Company in Zionsville, Indiana. FastBreak™ is not a tax-deferred annuity; instead, it is taxed annually.

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

GOBankingRates maintains editorial independence. While we may receive compensation from actions taken after clicking on links within our content, no content has been supplied by any advertiser prior to publication.