You are likely sitting on $500 right now. It is in your house, your driveway, or your own experience — you just haven’t hit the “collect” button yet.

Forget the old advice about cutting back on coffee to save pennies; that’s too slow. You can bridge a budget gap or fund a weekend trip in less time than it takes to watch a movie if you simply know where to look.

You don’t need a second job, and you certainly don’t need to do everything on this list.

Think of this as a menu, not a checklist. You won’t use every option, but you don’t need to. Finding just one strategy that fits your life is worth $500 or more. Take a moment to scan them all so you don’t leave easy money on the table.

1. Secure a “hard asset” bonus

The smartest way to make money is to get paid to do something you should be doing anyway: protecting your future. Right now, the top precious metal firms are in an arms race for new clients, and you can benefit from the competition.

Get a $500 head start: By simply requesting a free wealth protection kit from Lear Capital, you can get $500 in bonus credits added to your account immediately.

Unlock up to $25,000 in free silver: If you are ready to make a move, American Hartford Gold offers up to $25,000 in free silver on qualifying purchases, instantly increasing your net worth the moment you fund your account.

Both companies allow you to secure these bonuses in the time it takes to drink your morning coffee.

2. Save up to $1,200 on your insurance

How would you feel if you found out you’re throwing away $1,200 annually just to pad some insurance company’s bottom line?

It’s very possible. But there’s only one way to know for sure.

This new car insurance shopping tool can tell if you’re overpaying for your car insurance with just a few clicks.

This new home insurance comparison tool exposes what home insurers don’t want you to see: identical coverage for hundreds less.

Take 3 minutes right now, click those links and see if you can save serious money: that’s what I did.

But don’t forget the cardinal rule: When you find ways to spend less on major expenses, don’t blow that extra money: Put it toward your mortgage, or invest it.

3. Earn up to $1,370/mo doing simple tasks

Lots of companies let you earn money by filling out surveys, completing tasks, signing up for stuff, or playing games.

But FreeCash is in a league of its own.

Freecash boasts the fastest payouts (we’re talking instant!), with minimum withdrawals as low as $5. Plus, you can cash out with PayPal, crypto, gift cards – the choice is yours. FreeCash users have already earned more than $87,000,000!

So try FreeCash. It’s the fast, fun way to earn real cash. Don’t waste another minute – Freecash is waiting!

4. Double your retirement savings

To properly manage your money, work with a professional — it’s totally worth it. If you’re not doing this, you could be missing out on some serious financial gains.

A Vanguard study proves it: $500,000 invested over 25 years grows to $1.7 million solo, but $3.4 million with an advisor. That’s $1.7 million left on the table—and every day you wait, the gap gets worse.

SmartAsset takes 2 minutes: answer a few questions, get matched with experienced professionals with proven track records, receive personalized advice immediately.

If you have $100,000+ invested, you’re already losing serious money. The consultation is free, no obligation, no hidden fees. Even one meeting could change your retirement trajectory.

Stop the Bleeding—Get Your Free Match Now (2 Minutes).

Please carefully review the methodologies employed in the Vanguard white paper, “Putting a value on your value: Quantifying Vanguard Advisor’s Alpha.”

5. Wipe out high-interest debt in 48 hours

If you are juggling multiple credit card bills, you are likely losing the battle against compound interest. Stop letting debt eat your paycheck. A personal loan allows you to pay off those nagging balances instantly, replacing them with a single, lower-interest payment that has a clear end date.

See your new rate in 2 minutes without affecting your credit score.

Modern lenders can fund your account in as little as 24 to 48 hours. You don’t need to visit a bank branch or have an awkward conversation with a loan officer. You just need to view your options.

Click here to consolidate your debt today.

6. Leave your family $3M richer

Want to know the secret to sleeping better at night? (Hint: It’s not another meditation app).

If you’re between the ages of 20 and 59, and not living in New York, it’s time to consider a term life insurance policy that doesn’t make your wallet cry.

With Ethos, you can get up to $3 million in coverage for less than your monthly streaming subscriptions.*

Why Ethos? Because nobody likes paperwork or doctor’s appointments.

• Skip the medical exam (in most cases) and apply from your couch**
• Get approved faster than your pizza delivery (90% get instant approval)
• Choose coverage that fits your budget like your favorite jeans
• Free will and estate planning tools valued at $898 included*

Get your personalized quote faster than you can say “financial responsibility.” Phone-friendly, website-friendly, and commitment-phobe-friendly with a 30-day money-back guarantee.

Because protecting your family shouldn’t be harder than assembling IKEA furniture.

Get Term Life Now → Easy Online Application Available.

7. Stop paying full price for retail purchases

Are you over 18? Then you’re eligible to save hundreds of dollars every year simply by joining AARP.

“What?” You say, “I thought AARP was for retired people.”

As it turns out, you don’t have to be 50 or older to join AARP. And members get discounts on hundreds of things, like:

• Up to $200 per person off flights
• Up to 30% off rental cars
• Up to 15% off restaurants
• Up to 20% off hotels

You’ll also save on eyeglasses, prescriptions, meal deliveries and lots more. And that’s not all. AARP offers a Fraud Watch Network, job listings, retirement planning tools, games, and tons of information, programs and resources.

Anyone trying to save money can’t afford not to join AARP, especially since the cost is as low as $15 per year with auto-renewal. You’ll likely recoup the cost in the first week. Click here and check it out.

8. Turn your biggest asset into a payday

When home values soar, smart homeowners turn to a home equity line of credit (HELOC) to replace high-interest credit card debt with much lower-interest loans.

The savings from simply swapping credit card interest for HELOC interest can add up to hundreds annually.

Those savings could eventually help pay off your house.

HELOCs could be the fastest, easiest and cheapest way to access extra cash, for whatever purpose, from consolidating debt to upgrading an outdated kitchen: HELOC rates are less than half what credit cards charge

In seconds, Money.com’s comparison page will show you the best rates in your area, so you know you’re getting the best deal.

Check it out right now.

9. Pay 0% interest until 2027

If you have outstanding credit card debt, getting a new 0% intro APR credit card could help ease the pressure while you pay down your balances.

Our credit card experts identified top credit cards that are perfect for anyone looking to pay down debt and not add to it!

Click through to see what all the hype is about.

10. Don’t get caught with a $4,000 repair bill

The cost of car repairs is skyrocketing. One shop told Consumer Reports that a decade ago, their average repair was $1,600. These days, the average bill is $4,000.

Unexpected financial shocks are a leading cause of stress in retirement. With repair costs rising, one transmission failure could wipe out months of hard-earned savings.

Stop gambling with your financial future. Endurance pays the mechanic directly, so your retirement funds stay where they belong—in your account.

They cover vehicles up to 20 years old. Includes 24/7 roadside assistance and rental benefits.

Protect My Retirement Savings Now.

BONUS: Check out this week’s hottest stock recommendations

Wall Street’s most accurate indicator has flagged a small percentage of stocks set for explosive gains.

This little-known indicator has given savvy investors a shot at 762 double, triple, and even quadruple-digit returns in the past 3 years. That’s one big winner every day the market’s open, on average.

Recent recommendations have climbed as high as +812%, +1,340%, and even +2,027%.

Many are stocks the average investor never hears about.

→ Check out the most promising stocks this indicator is flagging this week.