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6 Early Retirement Moves When There's Extra Cash In The Bank For People In Their 40s

By Voiced Market
25 June 2025
6 Early Retirement Moves When There's Extra Cash In The Bank For People In Their 40s

Retirement could seem far into the future, but the earlier the better when it comes to making moves that set you up for success.

It could make all the difference.

1. This IRA (Investment Retirement Account) Lets You Invest in Real Estate, Gold, and Even Crypto — With Big Tax Savings

Tired of leaving your retirement at the mercy of the stock market? A self-directed IRA gives you the power to invest in what you believe in — like real estate, precious metals, private equity, or even cryptocurrency — all within a tax-advantaged retirement account.

With IRA Financial, setting one up is easy. They have helped over 25,000 clients build more diverse, resilient portfolios.

💡 Why it matters: Real Estate, Gold, Or Crypto could outperform stocks and bonds, plus give you better diversification — and give you more control over your financial future.

👉 Complete the pre-application in just 60 seconds — and start investing in what you know and trust.

2. Business Owners: See Up to 20 Funding Offers For Up To $5,000,000

Getting funding shouldn’t be harder than running your business. Whether you’re expanding, stocking up, working capital needs, or something else, Fundera by NerdWallet simplifies the process.

With one quick questionnaire, Fundera matches you with funding offers from top choices, so you can compare — no endless paperwork, and it does not effect your credit.

💡 Pro Tip: Even if you’ve been turned down by a bank, Fundera may connect you with funders who specialize in businesses like yours.

Over 85,000 companies have secured more than $2.5 billion.

👉 See your funding options on Fundera — it’s fast, free, and made for business owners. See up to 20 funding offers now.

3. Get Up To A $3,000,000 Life Insurance Policy To Protect Your Family For Just $1 A Day (This Is A Must!)

What would happen if something were to happen to you? If there’s one thing on your list of things to do today, do this. An extra $3,000,000 (or whatever coverage you choose) could go a very long way for your family.

The reality is the longer you wait to get life insurance, the more expensive it becomes. That’s because prices go up as you age. It’s best to lock in a low rate in your 40s as soon as possible. It’s also best to get higher coverage than you think you need, because people underestimate how much cash their family actually would need.

Life insurance is made fast, easy, and entirely online with the #1 online life insurance provider Ethos, a company that lets you apply in minutes (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Get up to $3,000,000 in coverage. Don’t put this off until tomorrow, because you might forget about it before it becomes too late.

With Ethos, you’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

Coverage is affordable through Ethos, 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 Ethos today and help ensure your family’s financial future is secure.

4. Get A Top Financial Advisor For Expert Advice

Managing a portfolio of $50,000 or more (it could be cash, stock, bonds, or a combo of asssets)? Don’t do it alone. A trusted financial advisor can help you protect your money, minimize taxes, build a smarter plan for retirement, plus much more — and SmartAsset makes finding the right one easy.

Just take their quick quiz to get matched with up to 3 vetted fiduciary advisors in your area. It’s free, takes just a couple minutes, and gives you access to professional guidance with zero pressure or obligation.

💡 Why it matters: Whether you’re planning retirement or simply want a second opinion on day to day finances, personalized advice could help you make better money moves everyday.

👉 Take SmartAsset’s free quiz now and get matched with top financial advisors in just 2 minutes.

5. We Got You $300 in Free Yelp Ads, To Grow Your Business — Here’s How to Claim Yours

If you run a local business like a restaurant, bar, auto service, dentist office, or something else, customers are already searching for you on Yelp — you just need to show up. Right now, Yelp is offering new advertisers $300 in free ad credit to help you get noticed and drive more leads.

Over 80 million people use Yelp every month to find trusted businesses, and 83% of them make a purchase or hire after visiting. Whether you’re a restaurant, contractor, or service provider, this is an easy way to bring in new customers.

💡 Bonus: You’ll also get access to Yelp’s business tools — including lead tracking, quote requests, and customer messaging.

👉 Claim your Yelp page and unlock $300 in free ad credit here — before this offer ends.

6. Have Atleast $10,000 in Savings or Retirement, Here’s a Smart Way to Diversify

For a long time, the wealthy have been aware that gold is one of the top ways to safeguard their money. Investing in gold is a straightforward way to diversify your portfolio.

Do you have at least $10k in one bank account balance? Or at least $10k in an existing retirement account? If so, then a gold IRA could be a great way to diversify. A gold IRA (investment retirement account) could help you take advantage of investing in gold with big tax benefits, and it’s easier to set up than you might think.

A company named Birch Gold is a leading dealer of physical precious metals in the United States. They can help you set up a gold IRA with ease. With a gold IRA, investing in gold can be as easy as investing into stocks.

Right now they have a promotion that you can get up to $10,000 in precious metals for free if you qualify. Enter some basic information and grab your free info kit, a Birch Gold Group gold expert will contact you for a free no-obligation consultation right here. Make sure to ask how you can qualify for up to $10,000 in free precious metals and ask any questions you can think of!

Get your free info kit and free phone consultation right here.


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