The 7 Biggest Money Secrets Most Rich People Won’t Tell You

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. Invest in Real Estate Without the Volatility — You Only Need $500

You’re not the only one who daydreams about making money in your sleep. Investing in real estate is one of the best ways to earn passive income. The only problem? You need to have lots of money.

Well, you used to…

With a company called Connect Invest, you can get your foot in the door for just $500, investing in what are called short notes. And, if you make your first investment within 40 days of signing up, you can earn a $50 bonus.

Basically, you’re buying the debt that wealthy developers take on to fund their real estate projects — and they have to pay you back, with up to 9% (annualized rate) in interest… while you sleep. 

With Connect Invest, you’ll invest for terms of 6, 12, or 24 months, during which you’ll receive monthly fixed-interest payments between 7.5% and 9% (annualized rate). You could earn a legit passive income with those rates — and it’s way higher than what you’d earn with your savings account!

Connect Invest carefully vets each real estate project and borrower. And don’t worry, all loans are backed by real estate collateral. In the rare event of a default, Connect Invest’s sister company will foreclose on the property with the investors’ approval and sell it to recover your investment. 

It’s super easy to set up your free account and start investing. To earn your $50 bonus, select “Penny Hoarder” as a referral source and apply promo code “PH50.” 

2. 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.

3. Lock In Affordable Term Life Insurance in Minutes

Let’s be honest—life insurance probably isn’t on your list of fun things to research. But locking in a policy now could mean huge peace of mind for your family down the road. And getting covered is actually a lot easier than you might think.

With Best Money’s term life insurance marketplace, you can compare top-rated policies in minutes and find coverage that works for you. No long phone calls. No confusing paperwork. Just straightforward quotes, starting at just $7 a month, from trusted providers so you can make an informed decision.

The best part? You’re in control. Answer a few quick questions, see your options, get coverage up to $3 million, and choose the coverage that fits your life and budget—on your terms.

You already protect your car, your home, even your phone. Why not make sure your family’s financial future is covered, too? Compare term life insurance rates with Best Money today and find a policy that fits.

4. This Free App Will Give You up to $1K in Free Stock Just for Signing Up and Funding Your Account

Inflation is doing a great job of making it really difficult to buy, well… anything. And that includes stocks. 

Luckily, when you open a free SoFi Invest account and fund it with at least $10, they’ll give you free stocks in return — worth up to $1,000.

With SoFi, You can buy full or fractional shares of popular stocks, plus you can invest in exchange-traded funds — or collections of stocks.

If you’re new to investing, SoFi has automated investing tools to help simplify things. Plus, they won’t charge you any SoFi management fees.

It only takes a minute to open a free account and get started. Then, once you fund it with at least $10, SoFi will reward you with your free stock — which could be worth up to $1,000. 

*See terms

5. This Checking Account Pays Up to 4.2%* APY—and It’s Not a Bank

You know that feeling when your bank actually makes life easier? Yeah, neither do we. That’s why people are ditching old-school banks and switching to Crew—the fintech app that offers the world’s smartest checking account.

Crew combines checking and savings into one sleek, high-yield checking account (up to 4.2%* APY with a referral link!). You can set up customizable “pockets” to organize your money—think bills, brunch, Beyoncé tickets, or whatever else life throws your way. Each pocket acts like a mini-budget, so you always know what’s going where. Automate deposits, stay on track, and finally feel in control of your spending. No fees. No BS. Just good vibes and better money moves.

Try Crew today and earn up to 4.2%* APY.

6. 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.

7. Take Control of Your Financial Goals with This Free Service

In today’s fast-paced world, managing finances often takes a backseat in our busy lives. But you work hard for your money; shouldn’t your money work just as hard for you? 

Well, check this out. A company called WiserAdvisor offers a free service that lets you find and compare top-tier financial advisors who can help manage your finances. Their personalized advisor matches can help you confidently reach your financial goals so you can focus on living your best life.

Getting started is easy. It only takes a few minutes to fill out WiserAdvisor’s brief quiz about your financial goals and get matched with up to three rigorously vetted advisors. 

Any advisors you’re matched with are FINRA/SEC registered and have at least five years of experience in the finance industry. So, whatever your unique financial needs are, you can trust that your advisor can help you with a range of services, from retirement to investment management, education planning, and more.

The best part? Once you match with advisors, you can get a free one-on-one consultation — and don’t worry, if it’s not what you’re looking for, there’s no obligation to hire anyone. 

Ready to take control of your finances with expert guidance? Find your financial advisor today and take the stress and doubt out of reaching your financial goals.

*Users must meet certain suitability standards pursuant to the Connect Invest II Offering Circular, users must complete their first investment within 40 days of signing up in order to be eligible for the incentive will receive their $50 bonus with their first interest earnings. Past performance does not guarantee future results or success. The material contained herein does not constitute an offer to sell or a solicitation of any offer to purchase these securities, nor shall there be any sale of these securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful.

*Customer must fund their Active Invest account with at least $10 within 30 days of opening the account. Probability of customer receiving $1,000 is 0.028%.

Terms for ‘Claw’ Promotion: https://www.sofi.com/invest/clawpromotion/rules

SoFi Invest refers to the three investment and trading platforms operated by Social Finance, Inc. and its affiliates (described below). Individual customer accounts may be subject to the terms applicable to one or more of the platforms below.

1) Automated Investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser (“Sofi Wealth“). Brokerage services are provided to SoFi Wealth LLC by SoFi Securities LLC.

2) Active Investing and brokerage services are provided by SoFi Securities LLC, Member FINRA(www.finra.org)/SIPC(www.sipc.org), (“Sofi Securities”). Clearing and custody of all securities are provided by APEX Clearing Corporation.

3) SoFi Crypto is offered by SoFi Digital Assets, LLC, a FinCEN registered Money Service Business.

For additional disclosures related to the SoFi Invest platforms described above, including state licensure of SoFi Digital Assets, LLC, please visit SoFi.com/legal.

Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer or pre-qualification for any loan product offered by SoFi Bank, N.A.

*Annual Percentage Yield is variable and may change after account opening. The advertised 4.2% rate is 3.7% APY interest plus 0.5% promotional boost, and is accurate through April 30, 2025. 0.5% APY boost available for three months when you sign up with code PENNY by {end date}.