Spoiler alert: there isn’t any dollar amount a 40-year-old SHOULD have.

It can differ completely based on a number of factors, like where you live – you’ll need more money to live in Los Angeles than you would need to live in Kansas. Also, some 40-year-olds are much happier with a lower amount of money than those that have higher net worths.

But there are tons of ways you can better your money no matter what your circumstance is. For instance, most of us pay for car insurance, and most of us are overpaying, and car insurance companies know this. They know it’s time-consuming for the average person to shop around. This list below shows you a simple 2-minute trick to save on car insurance right now and many other easy-to-implement moves. Try one or two today and your future self will thank you because they can really add up.

10 Ways 40-Year-Olds Can Take Control of Their Money Today:

1. You Could Leave Your Family with $1.5 Million

At your age, one of the smartest money moves you can make is to 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 a must.

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.

Plus, with a company like Bestow, you can actually lock in your rate. As you age and your health declines, you’ll get to keep paying that same low premium.

Bestow’s policies start from as little as $16 a month, and you can get a quote in minutes — without providing a medical exam or filling out paperwork!

And with coverage of up to $1.5 million, you can leave your family with a significant amount of money after you pass.

Get your free quote from Bestow today and make sure your family’s future is secure.

2. Diversify Your Investments By Investing In Blue-Chip Artwork (without needing lots of money)

For years, blue-chip artwork was an area that only the super-rich could get involved in. But Masterworks has made it so that anyone can get started investing in top-tier pieces!

Investing in blue-chip artwork — which, according to Artprice, has outperformed the S&P by more than 250% from 2000 – 2018 — might be a good way to diversify your investments and safeguard your money in a fluctuating economy.

Here’s how it works. On the platform, you can invest in a portfolio of iconic works that have been carefully crafted by Masterworks’ team of research professionals. You can wait for Masterworks to sell the artwork at some point during the next 3-10 years, or you have the option to sell your shares to other investors on Masterworks’ secondary market.

You’ll only need to pay a small management fee, and in return, you’ll get all administrative costs covered, professional storage, insurance, regulatory filings, and annual appraisals.

To start investing, simply request an invite for membership today!

3. Get Rid of Your Overpriced Auto Insurance, Find Out If It Can Be Much Cheaper in 2 Minutes

While auto insurance is a necessity, it can also be pretty expensive. But it doesn’t have to be — you might be able to save hundreds on your auto insurance this year.

Let EverQuote tell you in two minutes if this is possible. This site will return multiple auto insurance quotes for you to compare in one place.

That’s a lot of time you’ll save. Just fill out a quick questionnaire.

If you find cheaper insurance than you currently have, EverQuote can help make the switch super easy.

It might save you hundreds of dollars a year.

See your rates now.

4. You Could Save Thousands on Your Mortgage With This Simple Move

Your house is probably your biggest investment, which means it’s also one of your greatest opportunities to save money.

By refinancing, you could potentially save thousands of dollars on your house. Here’s how it works — you find a new home loan that, ideally, has a lower interest rate and better terms, and then use it to replace your current home loan. Sounds simple enough, right?

Because it is. And with Figure, you can check your mortgage refinance rates in just a few clicks without even impacting your credit score!

Find a loan with a lower interest rate and apply with Figure’s 100% online application. Once you’re approved, Figure will help you close out your new loan quickly so that you can start enjoying your new savings as soon as possible.

To start, check your mortgage refinance rates with Figure today and find out how much you could be saving on your house!

Figure Mortgage Refinance is only available in the following states: AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IN, KS, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, SD, TN, WA, WI, WV.

5. Invest in the Stock Market with this App

The historical stock market average return is 10%, much more than you’d get in a savings account.

Think you need to be wealthy to invest in the stock market? Think again. Today, you can invest with almost any amount — even $5!

That’s all it takes with Stash. This app was built to make investing easy and allows you to even invest in fractional shares if you’d like, so you can buy small pieces of your favorite companies — Apple, Amazon, Tesla, you name it — with as little as five bucks.

By creating a portfolio and funding it with at least $5, Stash will even deposit a $5 welcome bonus right into your new account.

Stash provides tools and so much more for all levels of investing needs. Sign up now.

6. Get Rid Of Credit Card Debt

Credit cards often come with extremely high interest rates that keep users trapped in debt.

If you have credit card debt, you could eliminate it today by getting a personal loan through Fiona.

Rates start at 2.49% APR. By getting a personal loan that has a lower interest rate and using it to wipe out your credit card debt, you’ll be left with lower payments going forward.

This marketplace will find you multiple offers on personal loans without any impact to your credit score. Run a search, compare all your options conveniently in one place, and find personal loan options that range from $1,000 to $100,000.

All it takes is two minutes to check out your rates with Fiona and potentially find a loan that wipes out your credit card debt and saves you thousands. Credible’s Best Rate Guarantee means that you’ll even get $200 if you find a better rate elsewhere!

7. You Could Switch to a Cheaper Renters or Homeowners Insurance Policy in Minutes

When was the last time you checked your renters or homeowners insurance rates? You could be saving money! For many people, there are cheaper rates floating around but they just don’t know where to look.

With this website, you can get multiple quotes at once with very little effort. Here’s how it works — you provide a few details about your home and this insurance comparison site will find rates from various companies for you to compare in 2 minutes.

This service is free to use and could help you make the switch to a cheaper policy in minutes.

Click here to see your rates today and find out how much you could be saving on homeowners or renters insurance!

8. Travel More This Year (and try a Private Jet): take advantage of $1,000 in Promo Credits

We’ve all had a crazy past year, and we all are eager to travel more. Some of us still prefer keeping our distance from others.

It isn’t cheap but flying by private jet might be something you’re currently already doing or something on your bucket list.

Right now XO Jets is offering $1,000 in promo credits towards flights.

Join XO jets global community with over 2,100 private aircraft, where you can instantly book an entire private charter or individual seat.

Sign up and get your free $1,000 promo credits towards flights before this deal is gone.

9. You Could Use Your Home to Get Access to Up to $250,000

Being a homeowner has its perks. One of the more overlooked opportunities is the ability to get access to money that can be used for all sorts of purposes — fixing up your home, paying medical bills, or funding a family vacation!

That’s exactly what you get with a HELOC (home equity line of credit). A HELOC is a low-interest loan that uses the equity in your home as collateral.

Figure is an online lender that could help you get up to $250,000 against the equity in your home.

Plus, they make the process incredibly easy. Their application is 100% online application and it takes only 5 minutes to fill out. If you’re approved, you could get your funds in as little as five days!

Learn more about Figure and how your can use your status as a homeowner to get the money you need!

10. Use This Free Bank Account to Get Paid 2 Days Earlier

A bank account is supposed to make things easier for you and help you save money.

Aspiration is an FDIC-insured bank account that will get you your paycheck up to 2 day earlier when you sign up for direct deposit. It takes 5 minutes and they’ll even give you $25 for setting it up.

What’s more, the bank account and debit card comes with no fees and even gives you 5% cashback from participating retailers on purchases.

They also have a 55,000 fee-free ATM network, which is more than Bank of America, Wells Fargo, and Chase combined.

Open an Aspiration bank account today in 2 minutes!