Making smarter decisions today can really payoff big. No more time to waste. You likely know this, and that’s why you’re reading this. So let’s jump right in.

There’s no better time than today. Whether it’s retirement or your financial future next week, here are 5 top moves.

We always think we know best, but sometimes there are options right in front of us that could help us more than we’ve imagined.

1. Lower Your Debt By Up To 30%

If you have debt, you know the ridiculous interest rates are like robbery.

And the truth is, companies you owe money too don’t really care. They are just getting rich by ripping you off with high interest rates.

If you have more than $10,000 in debt from credit cards, medical bills, collections, or personal loans, National Debt Relief could be a huge help. Their representatives might be able to assist you by lowering your payments by up to 30%.

Since 2009, National Debt Relief has successfully helped more than 550,000 people get out of debt. And you have nothing to lose by letting National Debt Relief tell you how they can help you.

Best of all? There are zero fees until your debt is resolved, you could be debt free in 24-48 months. To get started, just answer a few simple questions. It only takes 30 seconds right here to find out if you qualify.

2. For Business Owners: Get Your Business All The Cash It Needs (Borrow From $10,000 Up to $5,000,000)

Think you got enough cash for your business? That’s great. Think you might need more for payroll, expansion, working capital, equipment, or something else? Check how much you qualify for now.

If your company is incorporated as a corporation or is an LLC and has over $50,000 in yearly revenue and been in business at least 2 years, then you’ve got a good chance of getting funding. Over 85,000 companies have secured more than $2.5 billion through Fundera.

Fundera could help your business get to the next level. Just answer a few questions about your business and Fundera will show you a list of multiple loan funding options from $10,000 to $5,000,000 for your business in 2 minutes, so you can choose what’s best for you. They will even provide you with one of their very own lending specialists who can help you go over your options and determine which loan is best for you.

Find out right now how much funding Fundera might get your business.

3. Get The Banking Built For Freelancers, Independent Contractors, Or Solopreneurs

Managing your finances can be a big task when you are your own boss. Fortunately, there’s a company that has built an all-in-one banking solution for the self-employed. Found offers an online bank account, along with bookkeeping, taxes, and other financial tools, to help self-employed individuals grow their businesses. It’s free to sign up in a few minutes, with no credit check, no minimum balance, and no hidden fees. Deposits are insured up to $250K through their banking partner, Piermont Bank.

• Free bank account, free debit card, no credit check, no minimum balance and no hidden fees
• Banking, taxes, bookkeeping – all in one place
• Real-time expense tracking and categorization with easy receipt capture
• Simplify tax season with automated tax saving, write-off tracking, and the option to pay taxes directly from Found
• Customize and send professional invoices in seconds for free
• Integrates with popular business apps, including Quickbooks, PayPal, and Stripe
• Sign up in minutes. No credit check. No minimum balance and no required fees

Ready to take your self employed banking to the next level? Sign up for an account here for free in under 5 minutes.

Disclaimer: Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category. The Found Mastercard debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc. and may be used everywhere Mastercard debit cards are accepted.

4. Get A Top Savings Account With High Interest

Are you earning interest on your cash sitting at the bank? Not sure what bank account to choose?

Well it takes just 2 minutes and $1,000 to open and fund a Upgrade Premier Savings account that has an exceptional 5.21% APY on balances of $1,000 or more. That’s pretty great.

The company’s mobile app is has 4.8 stars from over 25,000 reviews in the Apple store and 4.6 stars from around 13,000 reviews in the Google Play store. The Better Business Bureau (BBB) gives Upgrade an A+ rating.

Funds deposited in Upgrade accounts are FDIC-insured through its partner institution, Cross River Bank, for up to $250,000 per deposit, per account ownership type.

It’s a high-yield savings account with no monthly fees. Secure, 24/7 mobile access to your account.

And you can set up your account online now in just a under 3 minutes. Sign up right here.

5. Get Up To $50,000 To Pay Off Your Credit Card Debt

Credit card companies make lots of money charging their customers high interest, you do not need to be one of them.

Did you know you could get out of this debt spiral by using a personal loan to pay off your credit card debt? That’s because personal loans typically have a lower interest rate than a credit card.

LendingTree makes it super easy to see multiple options in one place, and apply for a personal loan in minutes online. Personal loans with LendingTree start at 6.99% APY, that could be a huge saving versus what credit card interest rates charge you. You’ll then be able to choose which personal loan is right for you, you can then get your credit card debt paid off as early as one business day.

It’s common that someone takes out a personal loan to pay off their credit card debt, and then begins paying off the lower interest personal loan.

You can also use a personal loan to pay off other types of debt, fund a vacation, or really anything you want.

Check your personal loan rates here now.