35 minutes to riches

It's Money Magazine's 35th anniversary. In its honor, here are 47 smart ways to get on track to a rich life.

By Asa Fitch, Amanda Gengler, Josh Hyatt and Ismat Sarah Mangla

Autos

36 month new	5.91%
48 month new	5.98%
60 month new	6.03%
72 month new	3.78%
36 month used	6.31%

19 of 41

Pay less in auto insurance

Time it takes: 7 minutes

Simply raising your deductible can save you up to 30%. With an old car, drop your collision and comprehensive coverage when the car is worth less than 10 times what you pay for the insurance. Or shop for a lower premium at insweb.com, an easy-to-navigate comparison site. You'll be guided through five screens of information such as driving history, car make and model. A few minutes later the site will give you the lowest quote from its database (which doesn't include all the biggest insurers). Agents will also e-mail or call you with quotes from other insurers.

Credit score Raise your credit score Triple the return on savings Stop junk mail Freeze your credit Cut your credit rate Upgrade to a better card Add to your 401(k) Asset Allocation Buy a forever portfolio Find promising funds Track returns Check salary Retirement plan Life insurance Tax bracket Escape late fees Write bounce-proof checks Auto insurance Double-check your taxes Keep more of your paycheck Tax break for day care Pay less for your cell Cut drug costs No more waiting rooms Burn calories Be like Buffett Save for college Automate your savings Get credit, even in a crunch Read your mortgage Save on your mortgage Create an insurance record Curb impulse buys Spend consciously Slash recurring charges Boost your mileage Find it cheaper online Demand a lower cable bill Save on drinking water 35-second solutions

35th Anniversary

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For baby boomers, five cherished lifetime goals. And five smart game plans for making them come true. (more)

Your financial future - the next 35 years

Eight noted thinkers, from Vanguard founder John Bogle to tech futurist Ray Kurzweil, weigh in on what's ahead for investing, real estate, health care, work and more. (more)

How boomers really feel

Money Magazine's survey of nearly 3,000 boomers found that they are reinventing the American dream. (more)