Published on: March 17, 2025

5 Things You Have to Do to Get Your Money Right (Before It’s Too Late!)

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You might be trying to grow your retirement account from $100k to $1 million. Or maybe you’re trying to get out of credit card debt. 

It doesn’t matter where you are on your financial journey, there are some steps that everyone should take to get their money right. 

We’re here to help and it’s never too late to take control of your finances.

Whether you want to get rid of debt, save more or start investing, these five steps will help you achieve financial freedom - starting today.

And, we’ll show some of the best tools to make it as easy as possible.

1. Build an Emergency Fund (Because Life Happens)

Unexpected expenses can hit at any time - like if your car breaks down, you need to replace a furnace etc. 

If you don’t have an emergency fund, you could be forced to use credit cards or loans, digging yourself into debt.

  • Aim to save 12 months of essential expenses in a separate savings account.
  • Start small: Even putting aside $20 per week can build up over time.
  • Keep this money in a high-yield savings account so it grows while staying easily accessible.

Best Savings Account: Check out the high-yield savings account from our partner and earn more interest on your emergency fund.

2. Have An Expert Analyze Your Money

If you have over $100,000 of assets one of the best ways to get your money right is to consult with a financial advisor.

But, not all financial advisors are created equal.

Try a service like Money Pickle, which will connect you with a financial advisor that’s right for you.

Financial advisors can do a lot more than just “manage money”. 

They can help you with tax planning, retirement planning, and help you grow your money faster.

Money Pickle has helped thousands of investors connect with financial advisors who are tailored to their specific needs.

Whether you want some extra help planning your retirement, investing or just planning your budget, connecting with a financial advisor is a crucial step in your financial journey.

Want to get connected to a qualified financial advisor for free? All you have to do is fill out the quick form below.

3. Crush Debt Before It Crushes You

Debt can get in the way of your financial freedom. The longer you carry a balance, the harder it is to pay it off. 

How to Pay Off Debt Faster:

  • Snowball Method: Pay off the smallest debt first to build momentum.
  • Avalanche Method: Pay off the debt with the highest interest rate first to save money.
  • Consider a balance transfer card to consolidate high-interest credit card debt into a 0% interest offer.

Find the right balance transfer card to lower your interest and pay off debt faster.

4. Invest (Even If You Think You Can’t Afford To)

One of the biggest mistakes people make is thinking they need thousands of dollars to start investing. The truth? You can start with as little as $5.

Why Investing Matters:

  • Your money grows over time thanks to compound interest.
  • Keeping cash in a regular savings account won’t help it grow.
  • The earlier you start, the more wealth you can build.

How to Start Investing Today:

Open a brokerage account with M1 and start with low-cost index funds.

5. Diversify With Investments Like Real Estate

If you’re ready to take your investing to the next level, investing in assets outside of just stocks is a great way to do it.

After all, there’s a reason even billionaires like Bill Gates and Jeff Bezos invest in real estate: you can’t make more land. 

Historically, it’s been hard to get started in real estate investing without having lots of money already, but that’s changing with platforms like Fundrise.

You can also set up tax-advantaged accounts like a Roth IRA on the platform. 

The best part? You can track your investments on their portal and you can even set up an automatic investment into your real estate portfolio!

BONUS: Protect Your Loved Ones With Life Insurance

While building wealth is important, protecting your family’s future is just as crucial. That’s where life insurance comes in.

Why Life Insurance Matters:

  • It provides financial security for your loved ones if something happens to you.
  • It can cover outstanding debts - or even future expenses like college tuition.
  • Some policies can also build cash value over time, adding to your financial portfolio.

How to Get Started:

  • Use a platform like PolicyGenius to compare quotes and find the best policy for your needs.
  • Choose from term life insurance for affordable protection or whole life insurance for lifelong coverage.

Getting life insurance is one of the smartest moves you can make to ensure your family’s financial well-being.

Conclusion

Getting your money right isn’t about making drastic changes overnight—it’s about small, smart decisions that add up over time. 

By tracking your spending, saving for emergencies, paying off debt, investing, and building your credit, you’re setting yourself up for financial success.The best time to start?

Right now. Pick one of the tools linked above and take your first step toward financial freedom today!

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- Briefs Media Team
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