Mikkel Christensen
Reaching $50,000 in savings is a milestone many people work years to achieve. But building the balance is only part of the journey.
Reaching $50,000 in savings is a milestone many people work years to achieve. But building the balance is only part of the journey.
Once that cushion is in place, financial experts say the focus should shift from simply saving to putting money to work more strategically.
An article published by GOBankingRates outlines several steps savers may consider once they reach that threshold, ranging from investments to protection strategies.
The piece suggests exploring income-generating opportunities, including real estate-backed loans through platforms such as Arrived.
According to the article, the Arrived Private Credit Fund has historically offered 8.10% annualized dividends, with monthly payouts.
Diversify and protect
The report also points to precious metals as a hedge against volatility and inflation. Companies such as Thor Metals Group offer gold and silver IRAs, along with direct purchases of physical metals.
High-yield savings accounts are another option highlighted. As of Jan. 20, 2026, the national average savings rate stood at 0.39%, while some accounts, such as Capital One 360 Performance Savings, offered 3.30% APY, according to the article.
Preparing for unexpected expenses is also emphasized. The piece notes that pet insurance providers such as MetLife can reimburse up to 90% of veterinary bills, helping households avoid sudden financial strain.
Plan for the long term
For retirement-focused savers, annuities are presented as a way to secure guaranteed income. The article references the Gainbridge® FastBreak™ annuity, which advertises rates of up to 5.15% APY, depending on deposit size.
The report also highlights banking promotions, such as a $325 bonus tied to opening a Wells Fargo Everyday Checking account with qualifying direct deposits.
Life insurance is another consideration. The article mentions Ethos, which allows applicants to seek up to $3 million in term coverage online without a medical exam.
Finally, it suggests reviewing recurring costs, including car insurance, and exploring investment platforms such as SoFi Active Invest, which advertises promotional stock bonuses for new customers.
The article concludes that once savings reach $50,000, diversification, passive income strategies and careful account selection can help accelerate long-term financial growth.
Sources: GOBankingRates.
