10 Things the Top 1% Do Instead

January sets the tone for your entire year. If you start chaotic, you’ll end chaotic. But if you start with clarity, you become unstoppable.

We looked at what successful CEOs, athletes, and creators do during the first week of the year to guarantee a win. The good news? You don’t need a million dollars to copy their routine. You just need a plan.

Here are the 10 things successful people prioritize while everyone else is still asleep.

1. Maximize 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.

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

2. Stop overpaying $1,200 for 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. Stop drowning in credit card debt

Worrying about debt is probably the worst way you can spend your time, and paying interest and late fees is the worst way you can spend your money.

If you’ve got a problem, the sooner you deal with it, the better.

If you have over $10,000 in debt, National Debt Relief is one of the most respected providers of debt relief in the U.S.

There’s no upfront fee and no obligation to get started.

Ready to start a new, happier chapter of your life?

Check them out right now.

4. Don’t put all your eggs in one basket

One of the best ways to protect your savings is having money in different types of investments: ideally, ones that can go up when others are going down. For example, stocks tend to do poorly when inflation and interest rates are rising and there’s political turmoil brewing.

One investment that thrives in this scenario: gold.

Keep in mind, though, that not everyone in the gold business is on the up-and-up. Be careful who you deal with.

Anthem Gold Group is committed to helping investors protect their wealth and retirement with physical precious metals. They offer gold, silver, platinum and palladium coins and bars delivered directly to your home. Plus, enjoy up to $25,000 in complimentary gold and silver, along with waived IRA storage fees for up to 10 years!

Even Brian Kilmeade from Fox News trusts Anthem Gold to protect your cash and retirement accounts with physical gold and silver. Anthem Gold’s minimum to get started is $10,000.

Gold has been hitting record highs. Why not take a look right now?

5. Never pay a $4,000 repair bill out-of-pocket again

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.

6. Earn up to $1,370 a month 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!

7. Tackle your credit card debt by paying 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.

8. Don’t let high-interest debt crush you

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. 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.

10. Save as Much as 80% on Weight Loss Meds

If you’re finally ready to lose weight, FDA-approved GLP-1s — like Semaglutide & Tirzepatide — burn fat fast. And this company we found called MyStart gets them to you 80% cheaper!

It might sound crazy, but MyStart operates on a cash-only basis and does not accept insurance. This is how they’re able to provide up to 80% off the typical cost of weight-loss medications like Ozempic and Zepbound. (You can pay via credit cards, including Visa and Mastercard.)

Skip the surgeries, diets, and expensive costs of weight loss. Get real results with GLP-1s at 80% less than name brands! Plus, get access to U.S.-based doctors 24/7 when you go through MyStart. No insurance is required and there are no hidden fees.

Dr. Ritu Chopra (from the show “The Doctors”) says this is the future of weight loss. Join now before prices go up! You could qualify in 5-minutes or less.

Take the 2-minute quiz to get up to 80% off weight-loss medications.

BONUS:  Leave your family $3M richer

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

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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.

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