1. THE CREDIT CARD HACK (Travel Rewards Optimization) Stop leaving money on the table. The right credit card setup can earn you $1,000-$5,000 in free travel annually. Start with a single travel rewards card, hit the sign-up bonus, and you've just funded your next vacation for free. That's money staying in your investment accounts instead of going to airlines. 2. THE PHANTOM RAISE (Lifestyle Audit) Before you try to earn more, find out where your money is leaking. Most people have $200-500/month in subscriptions, fees, and lifestyle creep they don't even notice. Cancel what you don't use, negotiate your bills, and automate that "found money" straight to investments. It's a raise you give yourself without working an extra hour. 3. THE EMPLOYER MATCH (Free Money Collection) If your employer offers a 401(k) match and you're not maxing it out, you're literally declining free money. A 5% match on a $60K salary is $3,000/year your employer hands you. Over 20 years at 7% growth, that's nearly $130,000 from money that was never yours to begin with. 4. THE HOUSE HACK (Live For Free Strategy) This one takes more effort but delivers massive results. Buy a duplex, triplex, or home with a rentable basement. Live in one unit, rent the others. Done right, your tenants cover your entire mortgage. You just eliminated your biggest expense and started building equity in an asset. This single move can cut 10+ years off your retirement timeline. 5. THE AUTOMATION TRICK (Pay Yourself First) The simplest accelerator that most people skip. Set up automatic transfers so your investments get funded BEFORE you see the money. You can't spend what you don't see. Start with 10%, then increase by 1% every few months. You'll barely notice the difference, but your future self will thank you.