Everybody’s chasing the next hot investment — crypto, stocks, NFTs, tulips, whatever. Before you throw your cash into the casino, squeeze a little more juice out of the money you already have. That’s where AI, common sense, and a few tricks most people ignore come in. Always keep in mind whoever runs a lot of TV commercials is going to offer the lowest value because someone has to pay for those commercials. Not sure who it is? Three guesses, the first two don’t count.
Make Credit Cards Work For You, Not Against You
Ask AI which card gives the best return on your spending. Some cards offer up to 6% cash back on things you’re already paying for — streaming, online services, groceries. That’s found money. Don’t just swipe blindly. American Express Blue Cash Preferred offers 6% cash back on select streaming services like Netflix and groceries. My invite to join is here. You’re welcome.
Move Your Money to an Online High-Yield Savings Account
If you don’t car about forced smiles and people asking “How’s your day today” (as if they really GAS) while they have their hand in your wallet stealing your money, then keep the brick and mortar banks. Keep in mind Main Street banks charge you to babysit your money, but online banks dish out 4–5% APY, FDIC insured up to $250k. Put $1,000 in today and it earns for you tomorrow. It’s simple math, with no overhead dragging down returns. You can find these banks on sites like Nerdwallet.com
Cut the Login Circus — Time Is Money
Tired of verification runarounds? AI can tell you which secure plugins let you access everything with one login across devices. Bonus: The fewer places you give your number for “security,” the fewer robocalls you’ll get. Check Amazon for devices that save you the headache.
Audit Your Subscriptions With Rocket Money
Plug your accounts into Rocket Money and instantly spot every forgotten subscription. Those $4.99 and $12.99 hits add up fast, especially when billed annually. Some find $500/month in ghosts.
Check Your Apple (or Google) Subscriptions
Apple makes it too easy to forget about trials you signed up for late at night. Review your accounts monthly and cancel the dead weight before it bleeds you dry.
Use Google Keep to Kill Time Wasters
Write down 5–10 non-negotiable tasks each day. Cross them off, prioritize with AI suggestions. Every checked box puts money back in your pocket — because lost time is lost revenue.
Cut Your Cell Bill by Bundling With Cable/Internet
Cable and internet providers often offer bundled cell service — using the same towers as big carriers — for a fraction of the price. No more excuses about “bad service.” Xfinity is an example of the cable companies that offer bundled phone service.
Stack Extra Life Insurance Policies
If you’ve already got life insurance, great. But credit unions and professional groups often offer cheap extra coverage. Not glamorous, but adds up and makes life easier for your family.
Think Land + Tiny Homes
Land isn’t sexy, but they aren’t making any more of it. Buy a lot, put a tiny home in your yard for $30k. Rent the big house, move into the small one later, and let the mortgage pay itself.
Avoid Middlemen — Always Sniff out the Purse
Gatekeepers are nice but don’t control the money. If you want deals, connect directly with the budget holder. Skip the runaround, build the right relationships. It’s better to direct down then to question up. You can always copy the middle person on the correspondence but develop the relationship with the person who controls the money.
Bonus: Position Yourself So Money Finds You
Still chasing clients, cold calls, or referrals? Build a brand that attracts business. AI can position your value in front of the right people fast. Stop convincing — start proving. Money follows value.
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