Is there extra cash in the bank? Regardless of the amount, there are a lot of options out there. Some of the ones on the list don’t even require money to be spent, they might actually save money.

Like any financially savvy person, you should probably be doing something with that money that helps you.

We’re not wasting anymore of your time. Here are 5 things that could be make a big impact for the future.

1. Get A Top Financial Advisor To Help You Reach Your Money Goals (This Is Not Just For Wealthy People)

There is no better time to plan for your financial and retirement future than today.

If you have a portfolio value of over $50,000 (it could be a combination of cash, stocks, bonds or other assets), there are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, WiserAdvisor. You fill out a short questionnaire and are instantly matched with up to three local fiduciary financial advisers, all legally bound to work in your best interests.

The process only takes about a minute, and you’ll be offered a free consultation. WiserAdvisor is an independent matching service that helps individuals find the best financial advisor for their unique needs. They have successfully helped over 100,000+ individuals like you find their ideal financial advisor since 1998.

The best advisors will work with you, as a partner, to make a game plan that puts you on track to achieve your financial goals and retirement dreams.

This has the potential to be hugely beneficial: Take a minute to fill out the short questionnaire now. Find out what advisors you’ll be matched with.

2. Try This Instead Of Using High Interest Credit Cards

If you want cash to do something like pay off debt, make a home improvement or borrow up to $500,000 for something else, you could use your home to take out a lower interest home equity loan instead of using a high interest credit card or other higher interest loan. You could use the cash for virtually anything you want and potentially save lots of money in interest payments.

Check your rates now right here with LendingTree in under 2 minutes by answering a few questions and find out how much cash you might be able to get.

LendingTree is an online marketplace that could help you get a large sum of cash against the equity in your home quickly. It has been finding top loan options for Americans for more than 20 years.

3. Think About Potential Investments Outside of Stocks And Real Estate, There’s Another Asset that Has Outperformed

When you think about investing you probably think about stocks and real estate. You might think that investing in fine art by the likes of Banksy and Andy Warhol is only an option for the ultra-rich. But not anymore.

Masterworks is an investment platform designed specifically for investing in contemporary artwork.

Why? Because, like a fine wine, a piece of fine art can get better — and more valuable — with time.

Investors were able to collect a 15.4% net return after just 36 days, a triple-digit (325%) return on an annualized basis. And while it’s not common for Masterworks to exit so fast, investors have recently secured 14%, 27%, and even 35% annualized returns from other offerings. Get priority access to their new offerings, skip the waitlist and sign up with Masterworks today.

Masterworks is one of the first art investment platforms, and it’s available by invite only. It lets you bypass the hard parts of art collecting, so you can just enjoy the potential rewards.

Here’s how it works:

• The Masterworks research team watches the art markets to discover which types of works are going up in value.
• Then it sends out an acquisition team to snatch up a piece and offers shares to member investors.
• You select shares to buy (with no minimum investment), and Masterworks uses its proprietary data to help you tailor your portfolio based on your financial goals.
• You can earn money by selling your shares to other Masterworks users, or hold onto them and earn your share of the proceeds when Masterworks sells the piece.

4. Help Protect Your Family By Leaving Them With Money, Get Up To $8,000,000 In Life Insurance Coverage (This Is Super Simple To Do Online Now)

We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? One of the smartest moves you can make is to help protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is very important.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Life insurance is made fast, easy, and affordable with Ladder, a company that lets you apply online in minutes without leaving your couch (no medical exams for coverage up to $3,000,000) and get personalized term life insurance offers based on your family’s needs. Coverage ranges from $100,000 – $8,000,000.

You’ll simply answer a few health questions as part of the online application. Ladder has helped protect over 100,000 families and has provided over $65 billion in coverage.

Coverage is affordable through Ladder, term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes right now.

Get your free quote from Ladder today and help ensure your family’s financial future is secure.

5. Invest In Real Estate (You Don’t Need Much Money)

Want to invest in real estate, but think you need millions? How about starting with as little as $10?

Groundfloor is an alternative investment platform and mobile app (available via Apple App Store and Google Play Store), making it easy for anyone to start fractionally investing into real estate. No prior real estate knowledge is required as the Groundfloor model allows everyone to transfer in funds and select projects of your choosing or automatically be diversified into dozens of projects at once.

Groundfloor Pros:

• Low barriers to entry; only need to transfer in $10 to get started
• No fees to investors (seriously)
• Open to both accredited and non-accredited investors (essentially everyone)
• For those want greater control of their investment strategy, you can select projects of your choosing and the amounts to invest
• You can also choose to have your funds automatically allocated across Groundfloors portfolio
• Included in the 2024 Forbes Fintech 50 rankings

Over 250,000 registered users have invested more than $1.3 billion in Groundfloor’s real estate investments and have earned average annualized returns of 10% (since inception).

Sign up now right here.