The 6 Biggest

Money Secrets Most

Rich People Won’t
Tell You
By The Penny Hoarder Staff

September 3, 2022

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. Use This Secret

Banking Account
Here’s the deal: If you’re not using
Aspiration’s debit card, you’re missing out
on extra cash.

Yep. By signing up for a free debit card

called Aspiration you could get up to a 5%
back every time you swipe, plus they give
you up to 50x the normal interest rate on
your balance.

Need to buy groceries? Get extra cash.

Need to fill up the tank? Bam. Even more

extra cash.

This card used to have a huge waiting list,

but you’re now eligible to sign up for free.

Enter your email address here, and link your

bank account to see how much extra cash
you can get with your free Aspiration
account. And don’t worry. Your money is
FDIC insured and under a military-grade
encryption.

2. Ask This Website to

Help Pay Your Credit
Card Bills This Month
No, like… the whole bill. All of it.

While you’re stressing out over your debt,

your credit card company is getting rich off
those insane interest rates. 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.

Fiona can help you borrow up to $250,000

(no collateral needed) with fixed rates
starting at 2.49%.

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. Buy an Apartment
Building Even if You’re
Not Rich)
The uber wealthy 1% have access to
exclusive, lucrative real estate investments
that seem totally out of reach to the rest of
us.  

But not anymore.  A company

called CalTier lets you invest in
commercial real estate — specifically, multi-
family apartment complexes across the
country — for as little as $500.

Traditionally, you’d need a six-figure income

or a million-dollar net worth to invest like
this.

Instead, CalTier lets you invest like the big

wigs in the real estate world, even if you’re
not rich. Investments in multi-family
housing have outperformed the S&P 500
for the last 20 years* — and it’s expected to
grow another 33% this year alone.

CalTier also gives you a 30 day money-back

guarantee. And if you have any questions
along the way, you can talk to a real human
to get them answered. Ready to join the
ranks of wealthy and institutional real-
estate investors?

It’s easy to open a free account and get

started here.

4. Cancel Your Car

Insurance
When was the last time you compared car
insurance rates? Chances are you’re
seriously overpaying with your current
policy. 

If it’s been more than six months since your

last car insurance quote, you should look
again. 

And if you look through a digital

marketplace called SmartFinancial, you
could be getting rates as low as $22 a month
— and saving yourself more than $700 a
year. 

It takes one minute to get quotes from

multiple insurers, so you can see all the best
rates side-by-side. Yep — in just one minute
you could save yourself $715 this year. That’s
some major cash back in your pocket.

So if you haven’t checked car insurance rates

in a while, see how much you can save with
a new policy.

5. 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. Get Paid to Play

Bingo
Wouldn’t it be nice to add a little extra cash
to your bank account this week? 

Get this — there’s a free app called Bingo

Cash that pays you up to $80 when you win
bingo.

The game is based on a classic Bingo format

— plus tons of variations on the game.
You’ll battle it out against other players at
your same skill level. Everyone gets the
same board and sees the same Bingo balls,
so winning is totally a matter of skill. The
top three players in a game can win real
money — anywhere from $1 to $80.

Over on the App Store, it has a 4.7-star

rating (out of 5).To get started,
just download the free app and start
playing your first game immediately.

* Te!us is a financial technology company, not a

bank. Your Te!us account is not FDIC insured.
Banking services are provided by Chase Bank
and Silicon Va!ey Bank; members, FDIC.
Payment solutions are provided by Stripe and
Plaid.
¹ Based on the Monthly Rate Cap data #om the
FDIC for August 2022.

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