9 Things You Must Do When Your Savings Reach $50,000

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Investing Strategies The Wealthy Use That You Should Consider Right Now

Well done! You’ve worked hard and pinched pennies to finally get to the point where your savings account is looking solid. Now it’s time for the emphasis to shift from saving to making your money work more actively.

These moves just might be what you need to keep your money growing. Best of all? It only takes a few minutes to check them out and see which ones are best for you.

Invest in Real-Estate Loans -- and Earn 8.1% in Dividends

Loaning people money and charging interest is one of the ways large institutions and the ultra-wealthy earn passive income. It's not something that's typically available to the average person.

But with the Arrived Private Credit Fund, you can invest in a portfolio of real-estate loans that pay dividends monthly -- with a historic yield of 8.10% annualized dividends.

Arrived is a platform backed by Jeff Bezos, Marc Benioff, and other top-tier investors, with more than 800,000 registered users and nearly $300 million invested.

Here's how it works: You'll invest in a diversified portfolio of loans across the U.S. that help fund renovations, rehabs, and new home construction. As borrowers pay the loan back, the interest is distributed among investors like you on a monthly basis. Historically, this has yielded investors 8.10% annualized dividends.

Want to start earning passive income like the ultra-wealthy do? It's simple to get started here and see how much you could earn.

Protect Your Portfolio With Precious Metals -- And Get Up to $20K in Free Metals

If the past few years have shown us anything, it's that market disruptions can come out of nowhere and take a toll on people's retirement savings. 

That's why a lot of people are investing in precious metals to diversify and protect their investments: Precious metals often outperform other investments in a volatile market, and their value tends to rise with inflation.

One way to do this is with a precious metals IRA through a company like Thor Metals Group. Right now, you can even get up to $20,000 in free metals on qualifying purchases.

Opening a gold or silver IRA is easy, and you can roll over funds from existing retirement accounts. Or you can buy gold and silver directly from Thor Metals Group's extensive collection.

Worried you may need to sell your precious metals in the future? Thor Metals Group offers a no-fee buy-back program. Plus, Thor Metals Group has an A rating with the Better Business Bureau.

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 report. Right now, Thor Metals Group is offering up to $20,000 in free metals on qualifying purchases -- plus, you'll pay no account fees for 2025.

Make Sure You're Prepared for Emergencies

It's hard to build wealth when you're constantly dealing with unexpected setbacks. Life happens -- appliances break, cars need repairs, and our pets need emergency trips to the vet.

That's why it's important to be prepared for the unexpected. With a company called MetLife, you can get up to 90% of your vet bills reimbursed.

Insurance starts as low as $16 per month for dogs, and just $7 per month for cats. You can get coverage for illnesses, medications, accidents, injuries, surgeries, exam fees and more. Plus, coverage starts immediately, and you'll have 24/7 access to talk to a vet.

Want to make sure you're prepared for an emergency expense? Get same-day coverage here and rest easy knowing your pet -- and your wallet -- are safe.

Trade Futures with Low Commissions

Futures trading is complex -- even for seasoned investors -- which makes choosing a broker that simplifies the experience essential.

That's why many traders turn to NinjaTrader. It offers $50 day-trading margins, low commissions and a highly customizable platform that works seamlessly on PC, Mac and mobile.

With advanced charting and depth-of-market tools, NinjaTrader lets you analyze prices, place orders and manage positions with precision. You'll also get access to a broad lineup of more than 100 trading products.

Looking for an advanced, customizable futures broker with low commissions and 24/7 customer support?

Opening an account is simple -- and more than 2 million traders already trust NinjaTrader to trade futures.

Use an Annuity to Earn Guaranteed Growth on Your Retirement Savings

Once you have a substantial nest egg, it's smart to start thinking about your long-term goals and how you can protect what you've built against the unknown -- like a stock market downturn tanking your 401(k) before retirement. 

That's where an annuity can come in -- they can provide a guaranteed stream of income during retirement at a fixed rate. No stock-market risk involved.

You can get started with a Gainbridge® FastBreak™ annuity with a minimum investment of just $1,000. The more you invest, the higher rate you can earn -- up to 5.15% APY**. The best part? There's no risk to your investment. 

For context, 5.15% APY is more than 13 times* the average rate on a savings account. Plus, your principal amount is fully protected, unlike when you invest in the stock market.

The FastBreak™ annuity is self-directed, easy to set up and comes with 30 days to cancel your contract if you change your mind. Plus you can access up to 10% of your money each year without penalties -- even if you're under 59½. 

Looking for a predictable, stable way to grow your retirement savings without risking any of your principal investment? Get started here with as little as $1,000 to earn 4.85% APY, or deposit more to earn up to 5.15% APY.

Pocket an Extra $325 When You Open This Checking Account

Keeping your cash in the right place is one of the easiest ways to boost your balance.

When you open a new Wells Fargo Everyday Checking account, you can earn a $325 bonus. All you have to do is make $1,000 or more in qualifying direct deposits within 90 days of opening the account. After the 90-day qualification period, Wells Fargo will deposit your bonus within 30 days, as long as you've met the requirements.

You'll also get FDIC insurance, 24/7 fraud monitoring, and access to an app with a 4.9-star rating.

Want to add an extra $325 to your wallet? It takes just minutes to open an account.

Leave Your Family Up to $3M (It Takes Just 10 Minutes)

Nobody likes to think about death, but planning for it is an important part of protecting your family. If something were to happen to you, life insurance can help replace your income and cover debts or major expenses, so your loved ones aren't left struggling.

Maybe you've thought about getting life insurance before, but you put it off because it sounded overwhelming. The good news? A company called Ethos makes it easy. You can apply for term life insurance online in as little as 10 minutes -- and qualify for up to $3 million in coverage.

There's no medical exam or blood test required. Just answer a few questions, see your rate instantly, and activate your policy -- with coverage that can start as soon as today. Term life insurance typically lasts 10 to 30 years and is designed to help protect your family's financial future.

Want the peace of mind of knowing your family will be taken care of? Get started here to see how much you could leave them.

Stop Wasting $1,025 on Your 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.

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.

Get Up to $1,000 in Free Stock Just For Investing

Your savings are looking great. But don't rest on your laurels just yet. Now that you've built up some cushion, it's a great time to make sure you're putting your money to work.

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 45 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 45 days to earn up to $1,000. 

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Bottom Line:

It’s just as important to make your money work for you as it is to save. Some key strategies include using one of the best checking, savings, and CD accounts of 2026, hedging your savings against inflation with an investment like gold or silver and building passive income through real estate investments. The right financial advisor can give you the best advice for your unique situation.

 *Source: FDIC, national average of savings, week of 1/20/26. 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.

SoFi: Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify. Probability percentage is subject to decrease.

Other fees, such as exchange fees, may apply. Please view SoFi’s fee disclosure to view a full listing of fees

There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

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