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

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.
Grow Your Savings More Than 8x Faster Every Month
Now that you've built substantial savings, you'll want to make sure that money is working for you. And if you keep it in a traditional savings account, you could be missing out on serious growth.
When you keep your savings with Cash App, you could earn up to 3.25% interest* -- that's more than eight times faster than the average savings account (which pays just 0.39%**).
Cash App pays a base 1.5% interest rate, but when you set up a direct deposit of just $300 per month, you'll boost that rate to 3.25% interest. Even better? There's no minimum balance or monthly/hidden fees, and Cash App monitors your money 24/7 to look out for any fraud.
Want to boost your savings to 3.25% interest every month with Cash App's partner bank? It's easy to get started here with as little as $1 and watch your money grow more than eight times faster than average.**
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.
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 5.20% APY**. The best part? There's no risk to your investment.
For context, 5.20% 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 4.90% APY, or deposit more to earn up to 5.20% 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.
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 $3,000 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 $3,000 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 $3,000.
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 2025, 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.
Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.
*Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card or sponsor one or more sponsored accounts and receive at least $300 in paycheck direct deposits each month; or (b) have a sponsored account with sponsor approval to earn interest. Exceptions may also apply. Savings yield rate is subject to change.
**The national average savings account interest rate is 0.39% APY, according to the FDIC, as of Dec. 15, 2025.
***Instacash® is subject to terms and eligibility requirements.
*** Fees apply for optional Turbo delivery within minutes
*Source: FDIC, national average of savings, week of 12/15/25. 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.
Wiser Advisor: *Americans with a financial advisor expect to retire two years earlier according to Northwestern Mutual’s Planning & Progress Study
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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