This is how much money the average middle-class American household makes — how do you stack up?

Stop overpaying for home and car insurance

Just like food, gas, and energy prices, home insurance premiums are on the rise. The average price of a home insurance policy is nearly 40% higher than it was 12 years ago.

But you can save instantly on your home and car insurance by comparing prices from different home insurance companies.

SmartFinancial, for example, makes it incredibly easy to find the best insurance rates in your local area for your home.

All you need to do is share your zip code and answer a couple of quick questions. SmartFinancial will then sort through over 200 insurers in a few minutes to find you the best deals available and the discounts you could collect on your home insurance.

A cheaper insurance rate can certainly cut down expenses, leaving you with more in your account every month to spend on what you love.

Kiss Your Credit Card Debt Goodbye

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.

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

When you consolidate your debt with a personal loan, you can roll your payments into one monthly installment. Find a lower interest rate and pay down your debt faster today.

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Don’t feel forced to play the stock market game

Alternative investments have traditionally been exclusive to ultra-high-net-worth individuals. But new platforms make it easier and cheaper for everyday investors like you to buy in, grow your portfolio value, or find a much needed stabilizer.

For example, contemporary art has outperformed the S&P 500 by 131% for the past 26 years, and it has a near zero correlation to stocks, according to Citi. And platforms like Masterworks let you invest in shares of individual works by world-famous artists — just select which shares you want to buy and they will handle the rest.

Similar to art, fine wine has historically offered a great hedge against inflation as it’s more stable than stocks. Vinovest for example, is a platform that removes the constraints of specialized knowledge and logistical factors like proper storage so anyone can invest in fine wine.

They do all the work for you and will even select the best wines for your portfolio based on your goals, then tell you the ideal times to sell to get the most value for your wine.

Another option for investing outside the stock market is real estate, which has surprisingly demonstrated resilience in times of rising interest rates.

Origin — a private equity firm — offers bundled real estate investments by acquiring and operating multifamily properties. Their team provides accredited investors with the opportunity to access this lucrative asset without the responsibility of property management.

Plus, because Origin’s founders invest company capital in all the funds they offer, you know they’ve got skin in the game too and can trust that your goals are aligned.