5 Subtly Genius Things All Wealthy People Do With Their Money — That You Should Do, Too

These moves don’t have to be reserved for the super rich.

t can feel like the super wealthy have access to some secret money playbook the rest of us never got. And in a way, that’s true. They have connections and access that most of us simply will never have.

But there’s good news: A lot of things the ultra wealthy do with their money are perfectly accessible to us — we just have to be smart enough to take advantage.

How to Make a Living Will for Free in 4 Easy Steps

Rachel Christian, CEPF®  PennyHoarder

Drafting a living will might not be high on your to-do list — but maybe it should be.

A living will is a legal document that details which medical treatments you want — or don’t want — if you’re ever incapacitated or unable to make decisions for yourself.

Don’t get it confused with a last will and testament, a legal document that spells out who inherits your assets after you die. A living will applies only to your end-of-life medical care wishes.

4 Things To Consider Before Tapping Into Retirement Funds

Josephine Nesbit   Sun, March 22,   GoBankingRates

There’s a great deal of planning that goes into retirement, especially when it comes to deciding if, when and how to tap into your nest egg. Assessing your retirement fund is more than just covering your expenses. It can also affect your taxes, long-term income and investment growth.

Whether you’re approaching retirement age or considering withdrawals earlier than planned, here are several things to consider before tapping into your retirement funds.

 3 Mistakes That Wipe Out Million-Dollar Nest Eggs, According to a CFP

Jake Safane   Sat, March 21, 2026   GoBankingRates

For many people, reaching $1 million or more in retirement savings sounds like a surefire way to retire comfortably. But before you start dreaming of carefree golden years, it’s important to understand that million-dollar nest eggs can easily be wiped out by simple mistakes.

10 Frugal Lessons I Learned From Being Flat Out Broke

By Michelle   Saving Money   Invested Wallet

During the years I attended college, and shortly afterward, when I was about 21-22 years old, I was flat out broke. I was living in the middle of a big city all by myself and paying my bills on a server’s salary. I had zero savings and was living paycheck to paycheck just to get by; frugal living was a necessity.

To paint you a better picture of my situation, allow me to elaborate.

14 Bad Money Habits That Will Keep You Broke Forever

By Todd Kunsman   Saving Money  Invested Wallet

Being broke sucks. Worrying about bills and living paycheck to paycheck also sucks. And the thought of that being for a lifetime is demoralizing. While all our financial situations are different, we all have the ability to change our “broke status.”

Will it be easy? Not at all, but your financial life can completely switch gears by identifying bad money habits that are keeping your pockets empty. The trick is to really come to terms with these bad money habits and that yes, you probably are guilty of some or maybe even all of them.

4 Common Mistakes Affluent Americans Make With Their Money — and How To Avoid Them

Vance Cariaga    GOBankingRates

Affluence, like beauty, is often in the eye of the beholder. What looks like wealth to one person might not seem that way to others — especially if that “wealth” is offset by high debt and reckless spending. Just because someone earns a high salary doesn’t make them immune to the same financial mistakes as everyone else.

Even defining “affluence” isn’t easy. As Forbes reported, many factors go into determining someone’s wealth — including net worth, household income and location. A net worth of $500,000 might make you affluent in some parts of the country, while in other parts even $1 million falls short of the mark.

How To Make Sure A Windfall Lasts

Moneywise    Sun, March 8, 2026

‘We are super screwed’: This couple spent a $171K inheritance in less than a year.

Inheriting a windfall may seem like a dream come true, but it can cause tremendous anxiety and guilt, and it can even leave you financially worse off.

For instance, Mike and Noel, both 34 and recently married, burned through a $171,000 inheritance in about a year. You can imagine how that left them feeling.

"Money Dysmorphia" Could Be Seriously Hurting Your Finances. Here's How To Tell If You Have It.

Caroline Bologna  Tue, October 1, 2024 BuzzFeed

Loud budgeting. Slow shopping. Girl math. These days, there are endless quippy terms to describe the trends and phenomena in the realm of personal finance.

One of the more insidious realities impacting people’s financial health has a name as well: money dysmorphia.

To help keep the negative impacts at bay, HuffPost asked experts to break down this phenomenon and share their advice for dealing with it.

Retirees: 3 Things You Should Remove From Your Will Immediately

Choncé Maddox  GoBankingRates   Mon, March 2, 2026 at 11:20 

Many retirees take comfort in knowing they have a will in place. It feels responsible. Organized. Final.

But according to elder law and estate planning experts, having a will isn’t the same as having a good estate plan, and in some cases, an outdated or overly rigid will can actually create stress, conflict and unnecessary costs for your loved ones.

Here are three things retirees should strongly consider removing from their will, and what to put in place instead.