Top Money Moves for 2025: Unlock Financial Freedom Now

I hope your 2025 is off to a fantastic and healthy start! At the beginning of each year, I like to drop a few nuggets that can help make the new year more prosperous than the last.
Looking back on 2024, the Best Money Moves article I shared still applies as prioritizing your health, getting out of debt, and shifting from saving to investing are timeless strategies that will positively impact your finances.
In 2025 it’s time to embrace new technologies, trends and opportunities. Whether it’s leveraging AI, diversifying your investments or optimizing your credit card strategy, this year’s list is all about actionable steps to help you thrive financially and put more money in your pocket!
1. Embrace AI for Financial Growth
AI continues to revolutionize how we manage money, and in 2025, it’s easier than ever. Tools like ChatGPT can help with stock research, budgeting, and breaking down complex financial concepts into something anyone can understand.
For example, you can use AI to:
- Analyze market trends and understand key investment metrics.
- Explore new investment opportunities tailored to your financial goals.
- Simplify financial planning by breaking down strategies step-by-step.
Actionable Tip: Start by using ChatGPT to ask questions like, “What’s the average P/E ratio of Apple?” or “What are some beginner-friendly investment strategies?” While AI can’t make decisions for you, it’s an incredible tool for guidance and education.
To dive deeper into how to use AI for investing, check out my article, “How to Use ChatGPT to become a better investor”.
2. Invest in Crypto

Last year, I said, “Don’t ignore crypto, but proceed with caution,” as Bitcoin soared over 150% in 2023. Hopefully, you listened because Bitcoin followed up with another incredible year, returning over 120% in 2024 and breaking the $100k mark. The $100k surge was partially fueled by Trump’s election victory (this is not a pro or anti Trump take) and the anticipation of a pro-crypto administration and I’m confident more big returns are on the horizon.
If you haven’t started investing in crypto, especially Bitcoin, you’re missing the boat—the returns speak for themselves. Blockchain technology adoption continues to grow, cementing crypto’s staying power. Don’t wait any longer—get in the game this year.
Here’s how to get started:
- Research first: Learn the basics of blockchain and popular cryptocurrencies like Bitcoin and Ethereum. Treat it like you would researching a stock—know what you’re investing in.
- Buy an ETF: Bitcoin ETFs now provide an easy way to gain exposure to one of the best-performing assets using your brokerage account.
- Avoid chasing bad coins: Stick to well-established options like Bitcoin & Ethereum. Avoid lesser-known coins unless you fully understand them.
- Secure your assets: Use trusted platforms like Coinbase for purchases and transfer holdings to a secure wallet.
Crypto isn’t without risks (like any investment) and bad actors can make getting started frustrating. However, the returns have been undeniable and with many banks and world governments making significant investments in crypto it’s time to follow the smart money.
Actionable Tip: Consider starting with a Bitcoin ETF if you’re looking for a simple and straightforward way to gain exposure to crypto. For those ready to dive deeper and have the funds explore a combination of direct purchases of Bitcoin, Ethereum, or Ripple through a trusted platform like Coinbase.
3. Focus on Generational Wealth Building

Building wealth isn’t just about you—it’s about setting up future generations for success. Start by teaching your kids financial literacy through simple concepts like saving, budgeting, and investing and fast track their success with tools like custodial accounts.
Here’s what you can do:
- Start with companies they know: Teach your kids about investing by showing them how they can own a piece of brands they love, like Disney and Nintendo.
- Open a custodial account: These accounts let you invest on behalf of your child, giving them a financial head start while you maintain control until they’re of age. You can learn more about them here.
- Set up a family trust: Protect and manage assets to ensure your family’s financial stability for years to come.
Check out my article investing for kids to learn more about how to get your kids interested in investing.
Actionable Tip: Create a family financial plan that outlines your goals and includes age-appropriate activities to teach kids about money.
4. Diversify Your Investments

While the stock market remains a cornerstone of wealth building it’s still important to diversify your asset mix and not put all your eggs in one basket. Diversifying your portfolio can reduce risk and open doors to new opportunities.
Consider these additions to your portfolio mix:
- Real estate: Land will continue to remain a valuable asset, and real estate offers significant tax benefits for property owners. For an accessible entry point, consider REITs (Real Estate Investment Trusts) or crowdsourcing platforms that let you invest in real estate projects with lower capital requirements.
- Commodities: Don’t forget about gold, silver, and other tangible assets. Gold, a reliable hedge against fiat currencies, delivered a 25% return in 2024 and consistently retains its value over time especially during economic uncertainty.
- Own a business: Owning a business can take many forms, from running a multi-million-dollar enterprise to managing a side hustle that earns a few extra hundred dollars each month. Either way, it’s an excellent way to take control of your own financial destiny. Once you gain momentum, the potential returns can be incredibly rewarding and like real estate, owning a business comes with significant tax advantages.
Actionable Tip: Begin by researching different investment vehicles like the ones above and find one that aligns with your interests, goals, and budget. Once you’ve identified the right fit, start allocating a portion of your funds or time to it to gradually build your portfolio.
5. Learn How to Optimize Credit Cards for Big Rewards

Credit cards can be powerful tools for maximizing perks like free travel, cashback, and discounts—but only if you use them strategically. The key is to pay off your balance in full every month to avoid high interest rates and debt.
How to Get Started:
- Set your goals: Are you looking for free travel, cashback, or everyday savings? Your goals will guide your strategy.
- Analyze spending habits: Identify where you spend the most (e.g., dining, groceries, travel) and align your card choices to those categories or brands.
- Research top cards: Look for high rewards rates, valuable perks, and big sign-up bonuses. These bonuses are often the fastest way to accumulate points.
Actionable Tip: For beginners, consider cards like the Chase Sapphire Preferred or Citi Strata. They offer bonus points on popular categories like dining and travel and allow you to transfer points to multiple travel partners, maximizing their value. Read my recent article about my current favorite cards and how I apply these strategies in my personal life.
As we step into 2025, adaptability remains key to thriving financially. The strategies outlined here—embracing AI, investing in crypto, focusing on generational wealth, diversifying investments, and optimizing credit card rewards—are designed to help you build wealth for yourself and future generations.
If you’re ready to take your financial journey to the next level, download my free ebook and learn how to start investing in the stock market. And I’d love to hear from you—what are your top money moves for 2025? Leave a comment below!