9 Things You Must Try When Your Savings Reach $50,000

Last updated Feb. 22, 2026 | By FinanceBuzz Editors

You've hit a major milestone — $50,000 saved! — but now the real challenge begins. The next moves you make could determine whether that money grows, stalls, or even slips away.

Unexpected expenses and missed opportunities can quietly erode the value of your hard-earned savings. But with the right strategies, your $50,000 could be a launchpad for more freedom, more security, and a stronger financial future.

Whether you're planning for retirement, saving for big goals, or just looking to make your money work harder, these offers from our partners could help you take it to the next level.

Diversify your hard-earned retirement savings with gold

You’ve spent your whole life building up your retirement savings, but market volatility and inflation could be threatening everything you’ve worked so hard for.

Thor Metals is actively helping Americans like you find greater retirement security with precious metal investments. They offer everything from physical ownership to IRAs in gold and silver that have a proven track record during unstable markets.

In fact, from 2005 to 2020, the price of gold increased by 330%. And during the stock market crash of 2008, the value of gold actually increased by 25%.1

Take control of your legacy today in 3 easy steps:

  1. Request your FREE Gold IRA Quick Start Guide and receive up to $20,000 in free gold on qualifying orders.2
  2. Speak to a dedicated specialist about the best option for you.
  3. Transfer or invest to better diversify your portfolio.

You're in good hands — Thor boasts an A+ rating with the BBB, 4/8/5 stars on TrustPilot, and are 100% American owned. If you have at least $30,000 in savings, IRAs, or your 401K take control of your savings now and download your FREE Gold IRA Quick Start Guide.

Earn up to a $350 bonus when you open and fund this account

If you have $50,000 that you’d like to place in a high-yield savings account but you haven’t heard about this account from Western Alliance, listen up.

Open and fund a Western Alliance high yield savings account here with at least $50,000 and you could earn a bonus of $350 with the code HEADSTART.3Not only does this account offer this astounding bonus, but you’ll also be able to earn up to 3.80% APY4— that could be worth $1,000s more over the years.

Western Alliance is powered by Raisin, offering excellent rates with NO monthly fees. You can also enjoy a $1 minimum deposit, 24/7 online access. Open your account today, fund it, and you could enjoy a significant bonus plus powerful earnings on your saved cash. Member FDIC.

Open and fund a Western Alliance high yield savings account here with at least $50,000

P.S.: Use the code HEADSTART when signing up and you could earn a bonus of $350.

You could be overpaying for your retirement planning

Fees matter. High fees can cut into your returns and affect your overall nest egg. But the ways fees are levied vary. Some are “fee only,” charging a flat rate regardless of usage. Others take a percentage of all assets under management. Some earn commissions directly from mutual funds or other financial products, which presents a significant conflict of interest.

This free matching quiz helps Americans get matched with up to three fiduciary advisors who serve their area so they can compare and decide which advisor to work with.

Ohio Driver? Cancel your car insurance

Driving without car insurance is illegal, but if you do this, you’re not actually breaking the law.

This tool can help you see if you’re overpaying for car insurance in just a few clicks. You’d be shocked by the difference. $159 per month is what they wanted to charge me. I thought that was the best price, don’t even look anywhere else. Right? Wrong.

I used this tool and now I’m able to pay just $47 a month for two cars.5If you want to try this tool and compare and potentially score same-day savings, here’s what to do:

  1. Click the link below and enter your zip code, date of birth, and phone number.
  2. Answer a few questions about your car’s make and model to get matched with top offers.
  3. Choose the best quote for you and lock it in before rates go up.

Compare rates now and see if you could score same-day savings today!

I can hardly believe I waited so long to do this, but I’m glad I finally did. It only took me two minutes. Super fast. You have to trust me on this. Just try it out.

Set up direct deposit and complete qualifying activities - pocket $400

If you aren't banking with Truist, you're missing out on a huge boost of extra cash just by following a few simple steps.

Earn a bonus of $400 when you open a new Truist One Checking account online between October 30, 2025 and March 25, 2026 using promo code AFL400TR1Q425.6To earn the $400 bonus, your account needs to receive at least 2 qualifying direct deposits totaling $2,000 or more and complete 20 qualifying debit card purchase transactions within 120 days of account opening. Terms apply.

This is a great way to supercharge your earnings. It basically takes no extra work at all other than following the steps above. Plus, your new account offers benefits like no overdraft fee and options to avoid a monthly maintenance fee on top of the bonus.

Open your account and earn a $400 bonus



Today's Top High-Yield Savings Accounts

Bank/InstitutionAPY infoOpen AccountBonus Offer
Financebuzz awards badge
2026 AWARD WINNERBest Online Checking
SoFi Checking and Savings
5.0
info
4.00
%APY
With $0 min. balanceinfo
Learn More
on SoFi's secure website
Member FDIC
Limited-Time Offer: +0.70% boost on Savings APY to up to 4.00% for up to 6 months on new accounts7 + $50 or $300 Bonus with eligible direct deposit.8 Terms apply.
Financebuzz awards badge
2026 AWARD WINNERBest Savings for Customer Service
American Express® High Yield Savings
5.0
info
3.30
%APY
With $0 min. balance9
Learn More
on American Express' secure website
Member FDIC
-
CIT Bank Platinum Savings
4.3
info
3.75
%APY
With $5,000 min. balance10
Learn More
on CIT Bank's secure website
Member FDIC
-
Western Alliance Bank High-Yield Savings
4.3
info
3.80
%APY
With $1 min. balance11
Learn More
on Raisin's secure website
Member FDIC
Limited-Time Offer: Use code HEADSTART to earn a cash bonus based on your savings balance. Earn $70 for $10,000, $175 for $25,000, $350 for $50,000, $750 for $100,000, or $1,500 for $200,000 or more. Visit site for full details.3



Today's Top High-Yield CDs and Annuities

Special Offer
View Rateson Gainbridge's secure site
APY
4.85 - 5.15%info
Term
3 - 10 Years
Minimum Balance for APY
$1,000
Why We Like It
  • Grow your savings faster with a guaranteed 4.85% - 4.95% APY for balances under $100,000, or 5.05% - 5.15% APY 12 for $100,000+
  • No hidden fees or commissions, and you can withdraw up to 10% each year penalty-free
  • Minimum term of 3 years with higher APYs for 5-10 year investments
View Rateson Gainbridge's secure site

4.4
info
View Rateson Synchrony's secure website, Member FDIC
APY
4.10%info
Term
14 Months
Minimum Balance for APY
$0
Why We Like It
  • Lock in a competitive 4.10% APY13with this 14‑month Certificate of Deposit from Synchrony Bank.
  • No minimum deposit required to open.
  • Synchrony's Mobile App makes it easy to bank anywhere - and manage your accounts from a smartphone or tablet.
View Rateson Synchrony's secure website, Member FDIC



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