9 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 3.50% interest* -- that's more than eight times faster than the average savings account (which pays just 0.40%**).
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 3.50% 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 3.50% 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.**
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 5.40% APY**. The best part? There's no risk to your investment.
For context, 5.40% 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 5.40% APY, or deposit more to earn up to 5.40% APY.
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.
Earn 10x the National Average -- and Daily Compounded Interest
If you're like most people, your savings account is probably way underpaying you. The average savings account pays just 0.40% APY.
The Vio Bank Online Savings Account pays 4.21% APY -- more than 10 times that amount. Plus, your interest compounds daily, growing your money even faster.
There are no monthly fees, you can access your money anytime, and your money is FDIC insured for up to $250,000.* Plus, you only need $100 to open an account. You can even use Vio Bank's automatic transfers to effortlessly save toward your goals without overthinking it.
Want to boost your savings to 4.21% APY? It takes just a few minutes to get started here and start growing your money 10 times faster than average.
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.
Boost Your Lifetime Investment Returns -- By As Much As Double
According to a Northwestern Mutual study, working with a financial planner could double your lifetime investment returns.*
But only one in three people ever do it. Luckily, a company called WiserAdvisor will match you with a vetted 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.
Don't miss the chance to see what your money could really be doing. Get matched with a financial advisor for free.
Build Your Credit by +86 Points
Your credit is more powerful than you might think. Poor credit can mean more expensive car loans, pricier insurance, or even being denied an apartment.
And here's the catch: Having poor credit can make it harder to get a credit card -- one of the best tools for building credit in the first place.
That's where Kikoff comes in: The credit builder helps people raise their credit by an average of 86* points in a year with on-time payments -- with many seeing a 25-point improvement** in the first month.
Here's how it works: Customers get access to a Kikoff tradeline (an account listed on your credit report), which is used to finance the cost of a monthly Kikoff plan.
Your payments are reported to all three major credit bureaus, and making consistent, on-time payments will grow your payment history, utilization, and credit mix -- key factors in your credit.
There's no credit check, no interest, and no hidden fees. Plans start at just $5 a month¹, and more than a million people already use Kikoff -- it even has a 4.9-star rating in the App Store.
Ready to grow your credit? It only takes a few minutes to sign up and see how much Kikoff could help you build your credit this year.
Get Access to Up to $500 Whenever You Need It
Just because you have a healthy savings doesn't mean you don't occasionally need some cash. Sometimes an unexpected expense pops up, and you need access to money in a pinch.
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.
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 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.
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 0.40% APY, according to the FDIC, as of Sept. 15, 2025.
**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.
***Instacash® is subject to terms and eligibility requirements.
*** Fees apply for optional Turbo delivery within minutes
Kikoff: *Average first-year credit score impact of +86 points between Aug-2024 & Aug-2025 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.
**First-month average impact of +25 points for users between Jan-2024 & Nov-2024 who purchased at least one item with Kikoff Credit Account in their first month. Average first-year credit score impact of +86 points between Aug-2024 & Aug-2025 for Kikoff Credit Account users who started with a score below 600; who paid on-time; and who had no delinquencies or collections added to their credit profile during the period. Late payments may negatively impact your credit score. Individual results may vary.
¹Plans start at $5/mo for 12 mos. Autopay requires opt-in. Features may vary depending on plan purchased.
Wiser Advisor: *Americans with a financial advisor expect to retire two years earlier according to Northwestern Mutual’s Planning & Progress Study
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