You need an income of over $300K in New York, San Francisco and Honolulu just to bring home $100K — 3 simple tips to get the most out of your paycheck

Hire a professional

Navigating your finances on your own can be daunting. Rather than being too hard on yourself for the expertise you may lack, consulting a professional can ease you into a financial groove that paves the way for stacked savings and peace of mind.

Vanguard is an investment management company offering quality financial adviser services using a hybrid model of both fiduciaries and robo-advising.

At a low fee of just 0.30%, Vanguard will build you an investment portfolio with their ETFs, and divide up your assets based on your risk tolerance and goals.

To get started, all you have to do is fill out a brief questionnaire, and link your accounts that are outside of Vanguard. Then, Vanguard will set up an appointment to build you a tailored financial plan that you can stick to.

Once you’re set, you can sit back as Vanguard’s advisers manage your portfolio. Because they’re fiduciaries, they don’t earn commissions, so you can trust that the advice you’re getting is unbiased.

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Invest your money

Investing is a great way to build your wealth and produce higher returns over time. Consider investing in sector like real estate, which is known for great diversity, fast appreciation and relatively low volatility.

And you don't need to be rich to get started.

Backed by world class investors like Jeff Bezos, Arrived makes it easy to fit rental properties into your investment portfolio regardless of your income.

Arrived has an easy-to-use platform that offers SEC-qualified investments such as rental homes and vacation rentals.

Its flexible investment amounts and simplified process allows accredited and non-accredited investors to take advantage of this inflation-hedging asset class without any extra work on your part.

Get started with as little as $100 and witness your earnings rise without the added responsibility of property management.

Minimize essential costs

Insurance is an essential expense, but that doesn’t mean you need to spend a huge chunk of your paycheck on it – especially when there are easy ways to find better deals, right at your fingertips.

BestMoney.com is a website that compares car insurance quotes from multiple companies and narrows down the best auto insurance rates in your area. All you have to do is answer a few quick questions, and BestMoney.com will consolidate your top offers all in one place, making it easy to find and select the right one for you.

The same goes for home insurance, too.

Smart Financial’s digital insurance marketplace compiles the best home insurance rates for your unique needs. After responding to a few simple questions, Smart Financial will round up a list of suitable insurance home offers, potentially saving you thousands in the long run.

Earn cash back on what you buy most

Maximize your spending and earn up to 6% cash back on groceries, streaming, gas, and more. Whether it’s everyday purchases or splurges, this card puts money back in your pocket.

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Streamline your debt repayment

Having a single loan to pay off makes it easier to manage your payments, and you can often get a better interest rate than what you might be paying on credit cards and car loans.

Credible is an online marketplace offering personalized loan options based on your unique financial situation.

When you consolidate your debt with a personal loan through Credible, you can roll your payments into one monthly installment.