The 5 Biggest Money Secrets Most Rich People Won’t Tell You

Getty Images
Advertising disclosure: Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners.

ScoreCard Research

You know what they say about secrets. They’re no fun.

And when it comes to the super rich, trust us — they’ve got plenty of secrets. And why would they reveal the keys to their success with you, anyway? The more for them, the better, right?

Well, the cat’s out of the bag. These are the biggest money secrets the elite don’t want you to know:

1. Cancel Your Car Insurance

You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix. 

Don’t waste your time browsing insurance sites for a better deal. A company called Insurify shows you all your options at once — people who do this save up to $1,025 per year. 

If you tell them a bit about yourself and your vehicle, they’ll send you personalized quotes so you can compare them and find the best one for you. No phone calls. No spam. Just happy customers (4.7 rating on Trustpilot).

Tired of overpaying for car insurance? It takes just five minutes to compare your options with Insurify and see how much you could save on car insurance.

2. Earn 37x the National Average With This Checking Account

Most checking accounts are just… fine. Sure they’re a place to stash your money and make transactions, but they don’t exactly do anything for you. 

But then there’s E*TRADE Max-Rate Checking from Morgan Stanley Private Bank

First off, the interest rate is unreal. You can earn 37x the national average on your balance, which means your money is actually growing while it just sits there. Plus, they don’t nickel-and-dime you with fees — no ATM fees, no foreign transaction fees, and you can waive the monthly fee if you keep a $5,000 average balance.

It’s also ridiculously easy to use. You can handle everything online or in the app, which means no trips to the bank (fist bump). And knowing your money is FDIC-insured gives you one less thing to stress about.

If you’re tired of boring, fee-heavy accounts, we can’t recommend this enough. E*TRADE Max-Rate Checking is easily one of the smartest moves you can make for your money, right now. Do yourself a favor and check it out.

Tired of overpaying for car insurance? It takes just five minutes to compare your options with Insurify and see how much you could save on car insurance.

3. Get Paid $300 Just for Shopping Like You Already Do

Ready to earn more on every purchase? 

With the Chase Freedom Unlimited® Card, you’ll get an extra 1.5% cash back on all purchases in your first year—up to your first $20,000 spent. That’s up to $300 in bonus cash back just for doing what you already do: shop, dine, travel, and shop some more.

You’ll also earn 6.5% cash back on travel through Chase Travel℠, 4.5% on dining and drugstore purchases, and 3% on everything else. And with no annual fee, this card is designed to put more money back in your wallet.

Chase Freedom Unlimited® also has a 0% intro APR for 15 months on purchases and balance transfers* (regular APR of 19.49%–28.24% applies). It’s the perfect way to pay down debt or make larger purchases without extra pressure.

With millions of satisfied cardmembers and a lineup of benefits like Purchase Protection, Zero Liability, and even Trip Cancellation Insurance, this card is built for both everyday convenience and ultimate peace of mind.

Turn Everyday Spending Into $300 Bonus Cash with Chase Freedom Unlimited®.

*A balance transfer intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

4. Get Up to 35k From This Company

Need a little extra cash? We get it. Home repairs, credit card debt, medical bills — life expenses can really sneak up on you. 

But we found a company that can help. 

My Lending Wallet offers personal loans from $500 to $35,000, with no minimum credit requirement. You read that right… you don’t need perfect credit to get a loan. But you will be given an APR rate ranging from 5.99% to 35.99% based on your credit history. 

While the company will work with any qualifying borrower, its policy of keeping APRs under 36% can help consumers with lower credit scores.

You can choose a repayment period between 61 days and 72 months — whatever works for you. Then, just wait for your confirmation email. Keep in mind that some loan requests require a final confirmation by phone before you’re funded. 

My Lending Wallet won’t make you wait in line at the bank, either. If you’re worried you won’t qualify, relax—it’s free to check online and only takes five minutes. You could be on your way to financial relief in no time.

5. Earn Up To 5% Cash Back With This Card

Stop letting your credit card rewards fall flat. If you’re not earning cash back on the purchases you make every day, it’s time for an upgrade.

This card could be the game-changer you’ve been looking for. You’ll earn up to 5% cash back in top categories like groceries, gas, and dining — plus unlimited cash back on everything else. And here’s the kicker: you’ll get an unlimited rewards match your first year. That means every reward you earn gets doubled.

Need some breathing room? This card also comes with a 0% intro APR for 15 months (until 2026), giving you time to manage your finances without getting hit by interest.

Earn more on what you’re already spending and save while you do it. It’s a simple way to take back control of your wallet.

Get rid of your high-interest payments. Learn more about this card today.