The 7 Biggest Money Secrets Most Rich People Won’t Tell You

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Life would be a whole lot easier if someone would just Venmo us $1 million, but unfortunately the chance of that happening is, well, probably zero. (Venmo doesn’t allow transactions that large anyway.)

But even though our chances of becoming a millionaire are slim, we can still manage our money like one. No, we’re not going to tell you how to buy hundreds of shares of Apple stock. Or how to pick out the perfect yacht.

These are simple money moves any normal, non-millionaire person can make today. Each secret can get you closer to achieving your big goals.

Take a look:

1. You Can Cancel Your Car Insurance

Did you know you can save some serious money just by switching car insurance companies?

Its true — rates are at historic lows, and you could be paying way less for the same coverage. All you need to do is look for it.

But don’t waste your time hopping around to different insurance companies. Use a website called EverQuote to see all your options at once.

EverQuote is the largest online marketplace for insurance in the US, so you’ll get the top options from more than 175 different carriers handed right to you.

Take a couple of minutes to answer some questions about yourself and your driving record. With this information, EverQuote will be able to give you the top recommendations for car insurance. In just a few minutes, you could save up to $610 a year.

2. You Can Stop Paying Your Credit Card Company

If you have credit card debt, you know. The anxiety, the interest rates, the fear you’re never going to escape…

And the truth is, your credit card company doesn’t really care. It’s just getting rich by ripping you off with high interest rates — some up to 36%. But a website called Fiona could help you pay off that bill as soon as tomorrow.

Here’s how it works: Fiona can match you with a low-interest loan you can use to pay off every credit card balance you have. The benefit? You’re left with just one bill to pay every month, and because the interest rate is so much lower, you can get out of debt so much faster. Plus, no credit card payment this month.

If your credit score is at least 620, Fiona can help you borrow up to $250,000 (no collateral needed) with fixed rates starting at 2.49% and terms from 6 to 144 months.

Fiona won’t make you stand in line or call a bank. And if you’re worried you won’t qualify, it’s free to check online. It takes just two minutes, and it could save you thousands of dollars. Totally worth it.

All that credit card debt — and the anxiety that comes with it — could be gone by tomorrow.

3. You Can Invest in Real Estate Without the Volatility — You Only Need $500

You’re not the only one who daydreams about making money in your sleep. And investing in real estate is one of the best ways to earn passive income. The only problem? You need to have lots of money. Well, you used to…

With a company called Connect Invest, you can get your foot in the door for just $500, investing in what are called short notes. Basically, you’re buying the debt that wealthy developers take on to fund their real estate projects — and they have to pay you back, with up to 9% in interest… while you sleep.

With Connect Invest, you’ll invest for terms of six, 12 or 24 months, during which you’ll receive monthly fixed-interest payments between 5.5% and 9%. You could earn a legit passive income with those rates — and it’s way higher than what you’d earn with your savings account!

Connect Invest carefully vets each real estate project and borrower. And don’t worry, all loans are backed by real estate collateral. In the rare event of a default, Connect Invest’s sister company will foreclose on the property with the investors’ approval and sell it to recover your investment. 

It’s super easy to get started. It takes just a few minutes to sign up for your free account. Then just select the right short notes for you and sit back and take a nap while all those wealthy developers grow your money. 

4. You Can Get Paid up to $83 When You Win Solitaire Games

Lots of us already play Solitaire on our phones for fun or just to pass the time. Want to see if you can win money at it?

There’s a free iPhone app called Solitaire Cash that lets you play for real money. You could get paid up to $83 per win.

You might be thinking: There’s got to be a catch. This is definitely one of those spammy apps, right?

Wrong. There really isn’t a catch. Sure, you can pay to play in some higher-stakes tournaments, but there’s no pressure. And, in fact, there aren’t even any annoying ads.

With each game, you’ll battle it out against at least five other players. Everyone gets the same deck, so winning is totally a matter of skill. The top three players who solve the deck fastest can win real money — anywhere from $1 to $83.

Over on the App Store, it has over a million downloads and more than 15,000 ratings, averaging 4.7 stars (out of 5).

To get started, just download the free app and start playing your first game immediately.

5. You Can Make Sure Your Family Can Pay the Bills When You Die 

Have you thought about what would happen to your family after you die? How will they pay the mortgage? Send the kids to school?

We know; it’s not fun to think about. But getting a life insurance policy is one of the most important things you can do if you have people who depend on you.

A company called Insure.com can help you get a policy for as little as $10 a month — and in just two minutes.

Maybe you’ve considered it before, but it felt like an expensive hassle — or like something you only need to do when you’re older. But the truth is, even if you’re young and healthy, it’s often smart to lock in a cheaper policy now. Rates tend to go up as you age.

Insure.com will show you quotes from different companies so you can compare and find the right policy for you. You never have to leave the house or take a medical exam. You don’t even have to speak to a human if you don’t want to.

Take two minutes to answer a few quick questions to make sure you protect the ones you love.

6. This App Can Help Save You $720 This Year

Keeping track of your subscription services can feel like a game of whack-a-mole. Just when you think you’ve got a handle on them all, another random charge pops up on your bank statement.

It’s easy to let it slide — $5 here, $10 there. But it can seriously add up.  Luckily, an app called Rocket Money can show you exactly where you’re wasting money on forgotten subscriptions and bills that are overcharging you. It saves the average person $720 a year.

Rocket Money helps you find and cancel things like unused streaming subscriptions and expired free trials, and they’ll also negotiate lower monthly rates with your internet company, phone company and other bills — for the same service.

Rocket Money has already saved users more than $245 million, and it uses Plaid to make sure all your sensitive information is safe. The app does all the heavy lifting for as little as $3 per month. All you have to do is sign off on these money-saving changes.

It takes just a few minutes to get started and see how much you could save this year. Just register an account and link your bank account, then sit back while Rocket Money goes to work.

7. You Can Get Paid Up to $140/Month Just for Sharing Your Honest Opinion

If you’re turning blue in the face waiting for a raise at work, it might be time to quit holding your breath and start speaking your mind to someone who wants to listen.

Brands want to hear your opinion to help inform their business decisions on everything from products and services to logos and ads — and they’re willing to pay you up to $140 a month for it.

A free site called Branded Surveys will pay you up to $5 per survey for sharing your thoughts with their brand partners. Taking three quick surveys a day could earn up to $140 each month.

It takes just a minute to create a free account and start getting paid to speak your mind. Most surveys take five to 15 minutes, and you can check how long they’ll take ahead of time.

And you don’t need to build up tons of money to cash out, either — once you earn $5, you can cash out via PayPal, your bank account, a gift card or Amazon. You’ll get paid within 48 hours of your payout being processed, just for sharing your opinions.

They’ve already paid users more than $20 million since 2012, and the most active users can earn a few hundred dollars a month. Plus, they’ve got an “excellent” rating on Trustpilot.

It takes just a minute to set up your account and start getting paid to take surveys. Plus, right now, you’ll get a free 100-point welcome bonus just for becoming part of the community.

*Cash tournaments are not enabled in the following states: DE, LA, MD, MT, TN, IN, ME, TX. If you don’t live in a real prize-enabled region, you can still play for fun with our virtual currency.

*Connect Invest: Past performance does not guarantee future results or success. The material contained herein does not constitute an offer to sell or a solicitation of any offer to purchase these securities, nor shall there be any sale of these securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful.