scroll top

You need a clear, simple one that fits your real life and covers the basics: income, health care, housing, taxes, and family. Here’s what to focus on in these last five working years.

1. Get brutally honest about your retirement budget

older couple sorting out finances
Image Credit: Shutterstock

Before anything else, you need a realistic picture of what retirement will actually cost. Not the dreamy version, the real monthly bills: housing, food, gas, health insurance, phones, streaming, gifts for grandkids, travel, home repairs, and the random stuff that always pops up.

Use a simple worksheet or online tool to map your current spending and then adjust for a retired life. The Consumer Financial Protection Bureau has basic retirement-planning tools to help you think through income and expenses.

Then list your expected retirement income: Social Security, any pensions, withdrawals from 401(k)s or IRAs, part-time work, rental income, and so on. Compare the two numbers. If the income number is lower than the expense number, that gap is your five-year marching order.

This isn’t about judging past choices. It’s about seeing the truth on paper so you can decide what to change, lowering some bills, saving more, or shifting your retirement date or lifestyle expectations.

2. Decide how and when you’ll claim Social Security

social security written on table with people around it
Image Credit: Shutterstock

Your Social Security decision is one of the biggest levers you have in these years. You can usually claim as early as 62, get your full benefit at your full retirement age, or boost your check by waiting up to age 70.

Use the Social Security benefit calculators to estimate what you’d get at different ages based on your actual earnings record. Check your “my Social Security” account to make sure your earnings history is correct; mistakes there can cost you for the rest of your life.

Five years out is also a good time to think about how Social Security fits with the rest of your plan. If you expect a shorter life, heavy physical wear and tear, or no other income, claiming earlier might make sense. If you’re healthy and can cover early years from savings or work, waiting can act like buying yourself a bigger inflation-protected pension.

There’s no one right answer. What matters is that you’ve run the numbers for your situation instead of picking an age because “that’s what everyone does.”

3. Use the last five years to supercharge savings

woman holding savings jar
Image credit: Towfiqu barbhuiya via Unsplash

Your final working years are prime time to shovel money into retirement accounts. Once you hit age 50, you can make “catch-up” contributions to most workplace plans and IRAs, on top of the regular limits.

For example, the IRS has raised 401(k) employee deferral limits and catch-up amounts for people 50 and older, so by 2026 many workers can put significantly more into their plans each year. That extra five-year push can easily add tens of thousands to your nest egg once you factor in investment growth.

If you can’t max everything out, that’s fine. Aim to increase your contribution rate every year when you get raises, or anytime a debt drops off. Even moving from 5% to 10% of your pay going into a 401(k) matters. If your employer offers a match, treat getting the full match as non-negotiable, it’s part of your compensation.

You’ll feel the squeeze in your take-home pay now, but that’s better than feeling the squeeze every month for the rest of your life.

4. Clean up debt and right-size your big bills

pay off debt
Image Credit: Towfiqu barbhuiya on Unsplash

High-interest debt is a problem at any age, but it’s especially brutal when you’re about to live on a fixed income. Credit cards, personal loans, car loans, and “buy now, pay later” plans can crowd out essentials once your paycheck shrinks.

Five years out, make a simple list of all your debts, interest rates, and minimums. Focus first on anything over about 8–10% interest,/

that’s the stuff quietly eating your retirement. You might use part of a bonus or tax refund to knock down the worst balances. If you’re overwhelmed, talking to a reputable nonprofit credit counselor can help you see whether a debt management plan makes sense.

This is also the time to look hard at your big fixed expenses. Can you refinance or pay down a mortgage before retirement? Swap an expensive car for something cheaper while you still qualify for a loan? Drop unused subscriptions and extras? Every big bill you reduce now is one less thing to stress about later.

The goal isn’t to be debt-free at all costs. It’s to walk into retirement with payments you can comfortably handle on your new income.

5. Decide where and how you’ll live

house for sale sign
Image Credit: Pablo Merchán Montes via Unsplash

Housing will likely be your largest expense in retirement. Five years out is the right time to get honest about whether your current home still makes sense.

Make two lists: what you love about where you live, and what worries you. That might include stairs, property taxes, yard work, being far from medical care, or simply having more space than you want to maintain. Tools and checklists from retirement and aging organizations can help you think through costs and lifestyle tradeoffs.

If you want to downsize, move closer to family, or relocate to a lower-cost area, start scouting now. Research property taxes, insurance, and the cost of living, not just home prices. If you plan to “age in place,” factor in the cost of future home modifications like grab bars, ramps, or bathroom changes.

Moving in retirement isn’t just a money question, it’s also about community, weather, and health. But whichever way you lean, making the decision while you still have steady income gives you more control and better financing options.

6. Tune your investments so they match this new phase

investment
Image Credit: Mathieu Stern via Unsplash

The portfolio that worked when you were 35 and had decades to ride out crashes may be too aggressive when you’re 60 with a five-year runway. On the flip side, going all cash can leave you exposed to inflation for 20 or 30 years. The average 65-year-old today can expect to spend roughly 18–20 years in retirement, sometimes more.

Five years out is a good time to check your mix of stocks, bonds, and cash. Many big firms offer free online retirement checkups and tools that show whether your current mix lines up with your age and risk tolerance.

You don’t have to day-trade or chase hot funds. Usually, it’s about gradually shifting some money from pure growth into more stable investments, while still keeping enough in stocks to help your money grow over a long retirement.

If you’re not confident doing this yourself, consider a session with a fee-only financial planner or a CFP professional. One or two hours of advice can prevent very expensive mistakes.

7. Map out health insurance and Medicare

medicare
Image Credit: Shutterstock

Health care becomes a central budget line in retirement, and the rules are not simple. If you’re retiring before 65, you’ll need a plan for coverage until Medicare kicks in, employer retiree coverage, a spouse’s plan, or a Marketplace plan through HealthCare.gov.

For Medicare, your Initial Enrollment Period is a seven-month window around your 65th birthday, starting three months before you turn 65 and ending three months after that month. Missing that window when you don’t have other qualifying coverage can mean late enrollment penalties that follow you for life.

Use this five-year window to learn the basics: the difference between Original Medicare and Medicare Advantage, how Medigap works, and what drug coverage looks like. Compare that to your current employer plan so you’re not shocked by the change in premiums and deductibles.

If you have a Health Savings Account through a high-deductible plan, remember that HSA money can be used tax-free for qualified medical expenses in retirement.

8. Understand taxes and required minimum distributions

401(k)
Image Credit: Shutterstock

Retirement is not a tax-free zone. Traditional 401(k)s and IRAs are taxed when you withdraw. Social Security can be partly taxable. And at a certain point, the IRS forces you to take money out of tax-deferred accounts through required minimum distributions, or RMDs.

Right now, most people must start RMDs from traditional IRAs and many workplace plans at age 73. If you wait until the April 1 deadline for your first RMD, you may have to take two in the same calendar year, which can spike your taxable income. Planning withdrawals a few years ahead can keep you out of higher tax brackets and avoid penalties.

Five years before retirement, look at all your accounts: pre-tax, Roth, and taxable. Think about which ones you’ll tap first. Some people work with a tax pro to see whether partial Roth conversions make sense while their income is still relatively high but before RMDs begin.

You don’t have to become a tax nerd. But knowing the basics lets you keep more of what you’ve already saved.

9. Build a real cash cushion outside your investments

pensioner worried about social security
Image Credit: Shutterstock

Retirement will still have flat tires, leaky roofs, and surprise medical bills. If every unexpected expense has to come out of investments at the worst possible time, you’ll constantly be selling low.

Aim to build a dedicated cash buffer, usually three to six months of essential expenses in a savings or money market account, separate from your daily checking and separate from long-term investments. Some older adults find tools like budget calendars or digital budgeting checkups helpful for seeing how much cash they truly need on hand.

Five years out is a good time to redirect part of each raise or bonus into this cushion. You can also park part of any big windfalls, tax refunds, inheritances, severance, here.

The point is not to hoard money in savings forever. It’s to give yourself a shock absorber so you’re not forced to raid retirement accounts every time life throws a curveball.

10. Track down old accounts and fix your beneficiaries

adding money to a pension fund
Image Credit: Shutterstock

If you’ve changed jobs a few times, there’s a good chance you have old 401(k)s or pensions floating around. Losing track of these is more common than you’d think; government and nonprofit tools exist just to help people find missing retirement money.

Make a simple inventory of every retirement account you’ve ever had: employer name, plan type, current balance if you know it, and contact info. Decide whether to leave each one where it is, roll it into your current employer plan, or consolidate into an IRA. Fewer accounts usually means less chaos and fewer forgotten RMDs later.

While you’re at it, review your beneficiaries on every retirement account and life insurance policy. Those forms usually override your will, so you want them up to date with your current reality, not an ex from 20 years ago. Most plans let you update this online in a few minutes.

This is boring, unglamorous work. It’s also the difference between your money going where you intend and going somewhere else.

living will typed on pad of paper
Image Credit: Shutterstock

Five years before retirement is prime time to get your paperwork house in order. That usually means a will, powers of attorney for finances and health care, and some kind of medical directive or living will.

The National Institute on Aging has a straightforward checklist of documents to consider when “getting your affairs in order”. An estate planning attorney or legal clinic can help you translate those ideas into documents that fit your state’s laws.

This isn’t just about what happens after you die. Powers of attorney and health-care directives also protect you if you’re alive but can’t manage things for a while because of illness or injury. Without them, your family may have to go to court just to pay your bills or make medical choices.

You don’t need a mansion for this to matter. Even if all you have is a modest house, a car, and your retirement accounts, putting things in writing is one of the most generous gifts you can give your future self and your family.

12. Test-drive your retirement life before you quit

retirement life
Image Credit: Shutterstock

If you can, use these five years to practice retirement instead of jumping into it blind. That has two parts: testing the money and testing the lifestyle.

On the money side, try living for a few months on what your retirement income will be, while you’re still working. Take the difference between your current pay and that “practice retirement income” and send it to savings or debt. You’ll see quickly whether your budget assumptions are realistic, and you’ll build up extra cash at the same time.

On the lifestyle side, think about what your days will actually look like when work is no longer filling 40 or more hours a week. Start exploring hobbies, volunteering, part-time work, or small side gigs now. Trusted resources on retirement planning all stress that non-financial planning, how you’ll spend time and stay connected, matters just as much as the dollars.

The more you can “preview” retirement while you still have a paycheck, the fewer shocks you’ll have when you finally step out of full-time work.get them done, then keep going. Five years is enough time to make your future retired self a lot more comfortable than you might think.

Learn how to stretch your retirement savings and maximize your Social Security benefits for a comfortable retirement:

planning for retirement
Image Credit: Shutterstock

18 ways to stretch your retirement savings without feeling poor: The goal isn’t to pinch every penny — it’s to protect the big stuff and trim quiet leaks. Here are simple moves that keep freedom high and stress low.

18 budgeting rules that actually work for people over 50: Money habits change as we age. In this post, discover budgeting rules that fit your income and shift of priorities when you’re over 50.

15 clever strategies to maximize your Social Security benefits: Use the facts in this post to make choices that raise your monthly check for years.

Byline: Katy Willis

You’re digging through a bin of loose toys at the thrift store. Most of it is broken plastic, Happy Meal prizes, and random superheroes with no capes. Then you spot a beat-up Darth Vader, or a tiny G.I. Joe with worn paint, and your brain goes straight to, “Is this worth anything… or is it just old?”

The difference between a $2 toy and a $200 action figure is not obvious when everything is dusty and jumbled together. Labels are gone. Packaging is long trashed. Half the time, you don’t even know the character’s name. But there is real money in vintage figures if you know what you’re looking at. Some rare Star Wars figures and variants have sold for five-figure prices when they show up mint and still sealed.

Even if you’re not chasing five-figure unicorns, it’s still helpful to know the basics. You want to grab the figures that hold value, leave the common junk behind, and avoid overpaying just because something “looks old.” The goal is to treat your thrift trips like a low-risk little business: spend a few dollars, bring home things that actually appreciate or at least hold their value, and have fun doing it.

This guide will walk you through how to think about value, what lines and details to watch for, and how to do quick checks in the store without turning every trip into homework.

Understand what “vintage” and “valuable” really mean

vintage GI Joe
Image Credit: SOLDIERBOY COLLECTABLES via eBay

“Vintage” gets thrown on everything these days. For action figures, most collectors use “vintage” to mean toys that are a few decades old, often 20–30 years or more, and from classic lines like the original Star Wars, early G.I. Joe, Masters of the Universe, Transformers, and similar runs from the 70s, 80s, and 90s.

“Valuable” is the other half of the story. It comes down to the same four pillars that shape value in most collectibles: rarity, condition, demand, and completeness.

Rarity is about how many were made and how many survived. Some figures had short production runs. Others were mail-away exclusives. Some came with fragile accessories that got tossed. When only a small number are left, collectors pay for the chance to own one. Demand is about how much people care. A main character from a huge franchise almost always beats a random background guy, even if they were made in similar numbers.

Condition and completeness are huge. A figure that is mint, still sealed on its original card, can be worth many times more than the exact same figure loose in a bin. Loose figures can still be worth good money, especially if they’re rare or complete, but packaging and tiny accessories make a big difference.

When you’re thrifting, you usually won’t find sealed grails every week. But if you keep those pillars in mind, you can tell the difference between “nostalgic but common” and “this might actually pay for my whole cart.”

Get to know the big lines that still bring money

GI Joe Prototype
Image Credit: TC World via eBay

You don’t need to memorize every figure ever made. But knowing the major vintage lines that collectors still chase helps you scan a shelf faster.

The heavy hitters are the usual suspects: original Star Wars figures from the late 70s and 80s, early G.I. Joe (both the 12-inch and the 3.75-inch “Real American Hero” line), Masters of the Universe, early Transformers, and classic Teenage Mutant Ninja Turtles. Many figures from these lines, especially main characters and rare variants, keep steady value decades later.

Within each line, some figures are very common and some are pricey. A loose, worn stormtrooper might sell for a modest amount, but a rare variant or late-run character can go into the hundreds, even loose. Certain carded Star Wars figures and special variants have hit tens of thousands at auction when sealed and graded.

Think of it like learning old coins. You don’t start by memorizing every date and mint. You start by learning which runs matter. When you’re out thrifting, if something looks like an original Kenner Star Wars figure, a classic 80s He-Man, or an early Turtles figure, it’s worth an extra look. If it looks like a modern big-headed toy from the dollar aisle, you can usually move on.

As you find more figures, Google them when you get home or check simple price guides so you start to recognize big lines and standout pieces.

Why condition and packaging matter so much

Packaged GI Joe
Image Credit: Japanwindow via eBay

Collectors care about condition more than almost anything else. The same figure can be worth a few dollars loose and hundreds sealed. This isn’t about snobbery; it’s about how many nice examples are left.

Toy grading scales usually run from “poor” up to “mint,” sometimes using C-grades like C5 through C10. A mint figure is basically like new. Poor condition means heavy play wear, damage, or missing pieces. You don’t need to speak perfect grading language, but you should know that small scratches and bit of wear are expected on old toys, while big chunks missing, chewed hands, or sun-faded plastic kill value fast.

Packaging is a multiplier. Sealed “mint-on-card” figures usually sell for much more than opened ones because they prove the figure is untouched and complete. Even slightly worn cards with clear bubbles can be very desirable. The same is true for boxed vehicles and playsets; boxes, inserts, and paperwork all add up.

In real thrift life, you’ll mostly see loose figures thrown in bins or bagged together. That’s okay. Loose can still be valuable if the figure is rare, in good shape, and has hard-to-find accessories like original weapons or small parts. But if you do see carded figures or boxed sets in the wild, slow down and really look them over. Those are the ones that can move the needle for your wallet.

Learn to read markings, dates, and country of origin

Most vintage action figures have tiny copyright stamps and markings somewhere on the body. This is one of your best tools for telling old from new and real from knockoff.

Flip the figure over and look at the backs of legs, feet, or lower backs. You’re usually looking for three things: the company name, the year, and the country of origin. Many older figures were made in places like the USA, Japan, Hong Kong, Mexico, or early Chinese factories. These little marks are a key part of authenticity checks.

If the stamp says something like “© 1982” and lists a known company for that line, that’s a good sign. If there’s no stamp at all, or the markings look soft, smeared, or in the wrong place, be cautious. Reproduction figures and custom casts sometimes skip accurate stamps or use odd fonts and spacing.

Markings alone don’t set value, but they help you make sure you’re holding what you think you’re holding. Once you can quickly find the year and company with your thumb, it gets much easier to do a fast check later at home.

Spotting reissues, bootlegs, and “too perfect” fakes

Popular lines get reissued over and over. Companies remake classic figures with modern molds, updated paint, or new packaging. On top of that, there are straight bootlegs and high-quality reproductions. Some collectors love bootlegs. Some hate them. The big thing for your wallet is making sure you’re not paying vintage prices for a modern toy.

Reissues often copy the original look but include extra logos, safety marks, or modern copyright dates on the back or packaging. Some modern Ninja Turtles reissues, for example, have additional logos printed on the card that never appeared in the 80s runs.

Bootlegs and repros can give themselves away through sloppy details. The plastic might feel lighter or waxier. Paint lines are soft or messy instead of sharp. Joints are loose right out of the package. Stamps might be missing completely or look weird compared with pictures of known originals.

One simple rule: if a figure looks “too new” for its age, slow down. Vintage plastic usually shows at least a bit of age, slight yellowing on white parts, tiny rubs on high points, or faint scratching on glossy paint. That doesn’t mean a perfect-looking figure is fake, but it should push you to double-check markings and maybe look up photos of real examples before you pay up.

At thrift prices, grabbing a cool bootleg you like for a few bucks is fine. Just don’t let a seller convince you a modern repro is a rare original worth hundreds.

Where valuable figures actually show up secondhand

vintage Star Wars action figure
Image Credit: getitgood via eBay

You’ll find action figures almost everywhere: thrift stores, flea markets, yard sales, local classifieds, and online marketplaces. The valuable vintage ones tend to hide in the same places as the junk.

Big chain thrift stores often bag toys together and hang them on a wall. These grab bags can be gold. You might have to buy a handful of junk to get the one good figure in the mix, but if that one figure pays for the bag, you’re still ahead. Smaller charity shops sometimes toss all toys into one big bin or low shelf. Either way, it’s worth a quick dig.

Estate sales and garage sales are good for bigger lots. Someone clearing out a childhood bedroom or an attic might sell an entire tub of 1980s toys for one flat price. That’s where you can find a full run of figures, vehicles, and accessories that would have cost you a lot more piece by piece. Local auctions sometimes group toys into lots and use general grading terms like “good” or “fair” based on condition.

Online, you’ll see more obvious pricing and fewer true steals, but you still might find underpriced lots if you’re patient. For a thrifting-style, low-stress approach, focus on local finds you can inspect in person first. It’s much easier to learn when you can actually hold the figure in your hand.

Quick in-store checks: articulation, accessories, and damage

Once you pick up a figure that might be something, do a fast health check. You’re not grading it like an auction house; you’re just deciding, “Is this worth my $3?”

Start with articulation. Gently flex the limbs and head. Vintage figures will often have stiffer joints than modern super-articulated toys, but they shouldn’t feel like they’re about to snap. If a figure’s limbs are hanging like noodles or completely frozen, that hurts both play value and resale.

Look for accessories. Original weapons, helmets, backpacks, capes, and tiny pieces can be worth almost as much as, or sometimes more than, the figure. Many collectors will pay extra for a complete figure because finding that exact little blaster on its own is hard. If you find a loose weapon in the bottom of a bin, grab it. It might match something you or someone else already owns.

Then look for damage. Check faces and paint first; collectors care a lot about eyes and main details. Avoid figures with big chunks missing, chew marks, serious discoloration, or heat damage. A little wear is okay and normal for vintage. Heavy yellowing, sticky plastic, or that chalky, brittle feeling means the toy has lived a rough life.

If you’re unsure, think about your own standards. Would you be happy seeing this on your shelf every day? Could you, in good conscience, ask someone for money for it online? If the answer is no, leave it for the next person.

Using simple online checks without turning it into a job

You do not need to stand in the toy aisle running full market analysis on every figure. But for anything that seems promising, a quick phone search can keep you from leaving money on the table or overpaying.

Type the character name plus the line and “figure” into your search bar if you know it, or use visual search tools if you don’t. Once you’ve confirmed what you’re holding, look at recent sold listings on major marketplaces, not just asking prices. People can ask whatever they want; sold prices show what buyers actually pay.

There are also dedicated action figure price and visual guide sites that track lines like Star Wars, Transformers, G.I. Joe, and more. You don’t need to memorize them, but once in a while, it’s worth checking a few figures at home afterward, just to train your eye on what’s common and what’s special.

Keep your research light. Pick one or two figures per trip to look up. Over time, patterns will jump out. You’ll learn which lines are usually worth grabbing on sight and which ones are nostalgia-only with tiny resale.

Deciding what to keep, what to flip, and what to leave

vintage Masters of the Universe action figure
Image Credit: 24minniegoods24 via eBay

Thrifting action figures can go two ways: you’re buying for your own collection, you’re buying to resell, or a mix of both. Either way, you need a simple money filter in your head.

If you’re buying for yourself, ask whether the figure fills a real gap in your collection or just scratches a momentary nostalgia itch. A $4 figure you love and will display for years is a good buy. A $4 figure that will live in a box in the closet because “it might be worth something someday” is just clutter.

If you’re buying to flip, work backward from likely sale price. If loose, common figures from that line usually sell for $8–$12 plus shipping, paying $5 each at the thrift store leaves you very little margin once you factor in fees and your time. If you can get a figure for $1–$3 that sells consistently around $15–$25, that’s better.

Use those value pillars again: rarity, demand, condition, completeness. A rare character in great condition with original accessories is usually worth grabbing even if the thrift price is a bit higher. A common, beat-up figure missing half its limbs is almost never worth it unless you need parts for customs.

Most important, set a budget per trip. Decide ahead of time how much you’re willing to spend on toys, and stick to it. That keeps this hobby in “fun side hustle” territory instead of “where did my grocery money go.”

Basic storage and care so your finds keep their value

vintage Star Wars Kenner action figure
Image Credit: CORRAL ELECTRONICS MEMORY CARDS via eBay

Once you start bringing figures home, how you store them matters. You don’t want to rescue a vintage toy from a dusty bin just to ruin it in your own closet.

Keep figures out of direct sunlight. UV light can fade paint and yellow plastic over time. That’s why some old card bubbles look tea-colored instead of clear. Store loose figures in clean bins or drawers, ideally in individual bags if they have small accessories. If you display them on a shelf, dust regularly and keep them away from windows.

Avoid extreme heat and humidity. Hot attics and damp basements can warp plastic and rust metal parts. Some collectors invest in climate-controlled spaces for very high-end collections, but for normal budgets, just aim for a stable, room-temperature area in your home.

If you clean figures, use a soft cloth or cotton swab with a little mild soap and water, then dry gently. Don’t soak electronics or figures with stickers; water can lift labels and damage internal parts. The goal is to remove surface grime without stripping paint.

Good storage protects your money. A well-kept loose figure might not be worth as much as a sealed one, but it will hold its value better than something tossed into a dusty, sun-baked box.

When grading and high-end selling actually make sense

You might have seen the clear acrylic cases with graded figures inside and wondered if that’s something you should do. Third-party grading services examine figures, assign a condition grade, and seal them in tamper-evident cases with labels. These graded pieces often sell faster and for higher prices because buyers trust the grade and authenticity.

Grading is not cheap. There are fees for each item, plus shipping and insurance. It makes sense when you have a figure that is already worth serious money in good condition, often rare, main characters from big lines, especially if they’re still sealed or nearly mint. In those cases, grading can unlock a much bigger pool of serious buyers who are willing to pay a premium.

For most thrifted loose figures in average shape, grading is overkill. The grading fee might cost more than the toy is worth. You’re usually better off cleaning them, photographing them clearly, and selling them as-is with honest descriptions.

Treat grading like you would treat getting jewelry appraised or coins certified. Save it for the standout pieces that are truly rare or in exceptional condition, not every random toy you pull from a bin.

Know when to walk away

The hardest skill in any collecting hobby is walking away. When you’re in the moment, it’s easy to talk yourself into “maybe this will be valuable someday” or “it’s only $3.” But enough “only $3” buys can eat up real money.

Red flags are simple. If the figure is heavily damaged, badly yellowed, sticky, or missing major pieces, and it’s not a known rare character, leave it. If you look up a figure and see that it sells for $5 shipped all day long, don’t pay $4.99 plus tax for it at the thrift store unless you truly just want it for yourself.

Also listen to your own bandwidth. If you already have boxes of “to list someday” toys at home, be honest about whether you’re actually going to photograph and sell a new pile. Sometimes the best money move is to focus on selling what you have before bringing in more.

Thrifting vintage action figures can be a fun way to mix nostalgia with smart money choices. You’re not going to retire off a bin find, but you can absolutely build a cool collection, make back your costs, and even profit a bit if you stay picky. The more you train your eye on what’s truly valuable, the less you waste on plastic that’s only worth what the thrift store charged.

Strategies for making money outside of a traditional job:

freelance writer
Image Credit: Shutterstock

Where to sell sterling silver for the most money: In this post, you’ll learn about the difference between sterling silver and other types of silver, and find places to make the most money from selling your sterling.

What can I sell to make money (or resell)? 38 ideas: Dive into this article to discover things in your house you can sell for quick cash — and where to sell.

What sells quickly at pawn shops: In this post, you’ll find ways to navigate pawnshops, understand how they work and what items are most in demand.

Your kids have a clean slate today. No late payments. No collections. No payday loans. But that doesn’t mean their credit is safe. Scammers love kids’ information, because nobody is checking their credit reports yet. In one study, more than a million children were victims of identity theft and fraud in a single year, costing the average family over $1,000.

When a child’s Social Security number is used for fake accounts, they may not find out until they apply for their first apartment, student loan, or car. At that point they’re cleaning up damage from years ago instead of starting fresh.

The good news: you can lock a lot of this down right now with some simple moves. You don’t need fancy apps. You just need to guard their information, use a few free tools, and teach basic habits as they grow.

Here are practical ways to protect your kids’ future credit while they’re still young enough for you to be in charge.

Understand what child identity theft really looks like

identify theft written on paper being shredded
Image Credit: Shutterstock

Child identity theft isn’t just someone peeking at your kid’s Instagram. It’s when a thief uses your child’s name, Social Security number, or other data to open credit cards, get loans, file fake taxes, or even create a “synthetic identity” that mixes your kid’s SSN with made-up details.

Because kids don’t usually apply for credit, nobody is checking their reports. Fraud can sit there for years until your child tries to get a student loan, credit card, or apartment and suddenly gets denied for “bad credit.” Some victims deal with the fallout for a decade or more.

Knowing this changes how you treat their information. Your kid’s SSN is not “just a number.” Their full name and birthdate are not “just for school.” Once you see how valuable this data is to criminals, it’s easier to take the next steps seriously.

Freeze your child’s credit before someone else uses it

bored waiting to speak to someone on the phone
Image Credit: Shutterstock

One of the strongest moves you can make is to freeze your child’s credit at the three major bureaus. A credit freeze blocks new lenders from pulling their credit report, which makes it harder for anyone to open accounts in your child’s name. For minors under 16, parents and guardians can request a free freeze; older teens can usually do it themselves.

Each bureau has its own process. You’ll give proof that you are the parent and that the child is who you say they are. That usually means sending copies (not originals) of your ID, your child’s birth certificate, and their Social Security card. You can start at these pages: Experian child freeze information, Equifax child freeze FAQ, and TransUnion child identity theft resources.

Once a freeze is in place, leave it there. Your child won’t need open credit until later teens or early adulthood. When that time comes, you can lift the freeze for a short period while they apply for their first account.

Check if your child already has a credit file

child with credit card
Image Credit: Shutterstock

A child under 18 usually should not have a credit report at all. If they do, it can be a sign that someone has already used their Social Security number. The Federal Trade Commission suggests asking all three bureaus to do a manual search for your child’s SSN to see if a file exists.

You can’t pull their report online the way you do for yourself. Instead, you send each bureau a letter asking if they have a file, plus documentation that proves you’re the parent and the child’s identity. If they say “no file found,” that’s good news. If they find a file, ask for a copy and read it for any accounts, addresses, or names you don’t recognize.

Stop giving out your kids’ Social Security numbers unless it’s truly required

image of child superimposed with computer screen
Image Credit: Shutterstock

Schools, sports leagues, doctors, and even camp forms sometimes ask for a child’s Social Security number simply because it’s “on the form.” You are allowed to push back. The FTC advises asking why they need it, how they will protect it, and whether they can use something else instead or just the last four digits.

In most cases, you can give a student ID, insurance member number, or another identifier. If they insist on the full number, decide if the service is worth the risk. For anything related to government benefits, taxes, or certain health insurance situations, you may have to provide it. But for a soccer league or school directory? Often not.

At home, keep your child’s Social Security card and any paperwork that shows the full number locked up with your own key documents, not in a wallet or unlocked drawer. When you no longer need papers that list their SSN, shred them instead of tossing them into the trash.

Never use your child’s Social Security number to open bills or accounts

social security typed on paper
Image credit: Markus Winkler via Unsplash

If you’re struggling to get utilities, a phone plan, or an apartment in your own name, it can be tempting to use your child’s Social Security number “just this once” to get approved. You might see it as borrowing their clean record until you “get back on your feet.”

This is extremely risky for them and for you. Using a child’s SSN to get credit or services is a form of identity theft. It can leave your child with collections, bad credit, or even records tied to accounts they never agreed to. Research shows that in some large samples, around 10% of children had someone misusing their SSN to open accounts.

If you’re already in this situation, be honest with a legal aid attorney or nonprofit credit counselor about what happened. They’ve heard it before, and they can help you figure out the cleanest way to fix it and protect your child going forward. The better path is to improve your own credit, use deposit-based utility accounts where possible, and keep your child’s identity off the paperwork entirely.

Lock down paperwork and devices that hold kids’ personal data

Shredding documents
Image Credit: Shutterstock

Identity thieves don’t always hack high-tech systems. Sometimes they dig through trash, grab mail, or swipe paperwork from a glove box. If you have your kids’ birth certificates, Social Security cards, report cards, or medical bills lying around, that’s a lot of data in easy reach.

Keep physical documents with your child’s full name, date of birth, and SSN in a safe place, like a locking file box or home safe. Don’t carry their card in your wallet unless you absolutely have to for a specific appointment. When you’re ready to throw something away, shred it. Community “shred days” are often free and posted by local governments or banks.

On the digital side, remember that your phone and computer often store scanned documents, school forms, and messages that include your child’s information. Before you sell or donate a device, follow the manufacturer’s instructions to wipe it, and log out of cloud accounts that might still hold copies of sensitive files.

Be picky about what you post about your kids online

having school photo taken
Image Credit: Shutterstock

Posting first-day-of-school pics with school logos, street names, or their full names might feel harmless. But scammers can use those details to build a fake identity around your child. Recent warnings point out that “sharenting”, oversharing kids’ lives online, can expose children to identity theft and harassment for years.

You don’t have to stop sharing completely if you don’t want to. Just share with less detail. Avoid posting full names together with birth dates, school names, home address, or membership numbers. Turn location tagging off on your posts, and lock down privacy settings so strangers can’t stalk your family photos.

If a friend or relative posts information about your child that makes you uncomfortable, speak up. Ask them to remove it or at least crop out identifying details. You’re not overreacting; you’re trying to keep your kid’s future self from dealing with mess that started in elementary school.

Teach kids basic password habits as soon as they’re online

boy on computer
Image credit: Thomas Park via Unsplash

The more accounts your child has, the more doors there are into your family’s information. Weak, reused passwords make it easy for someone to break in once a data breach happens. Cybersecurity experts recommend long, strong passwords or passphrases, and not reusing them across accounts.

For younger kids, start with simple rules. They should never share passwords with friends, coaches, or classmates. Only you (and maybe one other trusted adult) should have access. When they’re ready for their own email or gaming accounts, help them pick a passphrase that’s long and not easy to guess, like several random words strung together, plus a number or symbol.

Use a password manager for your own accounts, and let older kids see how it works. That way, when they move into teen years and start having more logins, they already understand why “soccer123” is not good enough. Strong passwords now make it less likely someone can take over accounts that link to money or stored payment info later.

Turn on alerts and two-factor security for key family accounts

two factor authentication factor on phone
Image Credit: Shutterstock

Your kid might not have their own credit card yet, but they may be using your devices, your streaming accounts, and your cloud storage. If someone breaks into your email or main phone account, they can often see your kids’ full names, schools, and even copies of birth certificates or forms.

For your own banking, email, and cloud storage, turn on two-factor authentication (often called 2FA). That usually means a code sent to your phone or an app in addition to your password. Security agencies say this extra step is one of the best defenses against account takeovers.

Also turn on login alerts wherever you can. Many services will send you a message when there’s a new sign-in from a new device or location. If you ever get an alert that doesn’t make sense, change that password right away. Tell your kids to let you know if they see weird login messages on shared devices.

Keep kids off your financial logins and cards

child on laptop
Image Credit: Shutterstock

Letting a teen order food with your saved card or log into your Amazon for “just one thing” seems easier than setting up separate access. But every person who knows your passwords or has your stored card details increases the risk of messy charges and security slips.

Make it a house rule: kids don’t log into banking, credit card, or bill-pay apps. If they need to buy something, you enter the card manually, or you use a family payment tool like a prepaid card with a set limit. If they borrow your card in person, decide how much they can spend and ask for the card back the moment they walk in the door.

This protects your accounts now and models good boundaries for their future credit later. When they do get their own debit card or credit product, they’ll already understand that access to someone else’s accounts is a serious responsibility, not something you hand out lightly.

Set up separate profiles on shared devices

child on tablet
Image Credit: Shutterstock

Many families share a tablet, laptop, or even a household phone. If everyone uses the same profile, kids may end up with access to browser history, saved logins, and forms that include Social Security numbers or other sensitive data.

Create separate user profiles or accounts on shared devices where possible. Give kids their own space with their apps and bookmarks, and keep your financial and work accounts in an adult-only profile. On phones, log out of banking and credit apps when you’re done, and use a PIN, fingerprint, or face recognition to unlock them.

This is less about distrust and more about reducing accidents. A bored teen clicking into your emails or cloud folders can accidentally move or share documents you need for taxes, benefits, or legal stuff. Separate profiles keep their curiosity from mixing with your money life.

Check your own credit reports regularly

credit wriitten on wooden tiles
Image credit: Markus Winkler via Unsplash

Your credit report is where signs of identity theft often show up first, including weird addresses, unknown accounts, or hard inquiries you didn’t authorize. If someone is messing around with your identity, they may also be using your address or phone with your kids’ information. Spotting problems early gives you a chance to shut them down before they spread.

You can get free weekly credit reports from all three bureaus at AnnualCreditReport.com. This started as a temporary program and is now permanent.

Pick a schedule you can stick with, even if it’s only a few times a year. When you check your own reports, also think about whether it’s time to re-check whether your kids have any files, especially if there’s been a data breach at a school, doctor’s office, or company that has their information.

Talk about scams in kid language, starting early

scam written on wooden tiles
Image credit: Markus Winkler via Unsplash

Kids and teens are prime targets for scammers because they’re online a lot and still learning who to trust. They get DMs about “free Robux,” texts about prize winnings, or messages asking them to share codes or click links. Even if your child doesn’t have money yet, their account could be the doorway into yours.

Start simple when they’re young. Teach them that anyone asking for codes, passwords, or personal details online is a red flag. Make it normal for them to bring weird messages to you instead of handling it alone. As they get older, explain common scam setups, fake jobs, fake scholarships, “send money to verify your account,” and romance or friendship scams.

Let them know you won’t be mad if they come to you after clicking something sketchy. You’d rather fix it early than find out when your card has already been charged. The safer they are online, the safer your whole household’s identity and future credit will be.

Use kids’ names only when a law or benefit truly requires it

child and mother on computer
Image Credit: Shutterstock

There are times you must use your child’s full legal information: taxes, health insurance, government benefits, and certain school funding programs. That’s normal. But companies love to ask for more than they need. Under the Children’s Online Privacy Protection Act (COPPA), websites aimed at kids under 13 have to follow strict rules when collecting kids’ personal information, and recent updates aim to tighten this even more.

If an app or site asks for your child’s full name, date of birth, and other identifiers for something small, consider whether you can skip it, use a nickname, or enter only a birth year. For many online games and apps, a screen name and age range are plenty.

Every time you share full details, you’re trusting that company’s security. Not all companies deserve that trust. Save the real information for systems that have to have it, and use lighter details everywhere else.

Help older teens start credit on purpose, not by accident

teens with a credit card
Image credit: Vitaly Gariev via Unsplash

At some point, your kid will need to build their own credit. The trick is to let them start small and safe, not throw them straight into a big limit and hope they don’t overspend.

One common path is to add a teen as an authorized user on your credit card once you’re confident they can handle it. You stay the main account holder and pay the bill, but the card can help build their history if the issuer reports authorized users to the credit bureaus. Another option is helping them get a secured credit card in their own name with a small deposit.

Before you do any of this, sit down and explain how credit reports work, how missed payments hurt, and what “using less than 30% of your limit” means in normal language. Show them your own credit report from AnnualCreditReport.com and talk through what they’re seeing. The goal is to build healthy habits while you still have some oversight, so they’re not learning the hard way on their first solo account.

More benefits advice and news from Wealthy Single Mommy:

A couple doing paperwork together
Image Credit: Shutterstock.

Legit single mom hardship grants — This is an updated list of dozens legitimate hardship grants for single mothers — from private charities, businesses and individual donors.

SNAP in 2026: New max benefits, rule changes, and the exact moves to raise your payout — For the 2026 fiscal year, the caps go up in most places, deduction amounts change, and other changes affect how much you receive. Below you’ll find the new numbers in plain English, a quick way to estimate your own benefit, and how to maximize your sum.

7 surprising EBT benefits — If you receive EBT card benefits you can qualify for more than free groceries and other essential items. In this post, you’ll find places to go for EBT card holders, including free entrance, discounts and other free stuff.

Byline: Katy Willis

Some people want a calm, predictable job. Others feel half-asleep unless there’s wind, noise, or real risk involved. If that’s you, there are careers that use that appetite for danger and pay more because of it.

These jobs often mean bad weather, heavy gear, long hours, and real physical risk. In exchange, they tend to pay above-average wages, offer overtime, and stay in demand because not many people are willing to do them.

You still need to be smart about safety, training, and benefits. But if you’re a thrill-seeker who wants your paycheck to match the risk you’re taking, these dangerous jobs can come with serious income potential.

Electrical power-line installer and repairer

Electrical power-line installer and repairer
Image credit: Heri Susilo via Unsplash

Climbing high poles in a storm while handling live wires is not for the faint of heart. Electrical power-line installers keep the grid working, fix downed lines after storms, and often get called out in the worst weather, nights, holidays, hurricanes, wildfires. That level of danger is a big reason this job pays far more than many other roles that only require a high school diploma. Recent wage data puts the 2024 median pay around $92,560 per year, or about $44.50 an hour.

New workers typically enter through an apprenticeship or long-term on-the-job training after finishing high school. You’ll learn to climb, use bucket trucks, work with high-voltage systems, and follow strict safety rules. The work is physical: climbing, lifting, working in awkward positions, and spending hours outdoors.

The demand is strong, too. Outlook figures show employment for these workers is projected to grow about 7% from 2024 to 2034, faster than average, with roughly 10,700 openings a year as older workers retire or leave the field. If you like heights, don’t mind bad weather, and want pay that clearly reflects the risk, line work is one of the top choices.

Wind turbine technician

wind turbine technician
Image Credit: Shutterstock

If hanging hundreds of feet in the air on a steel tower sounds exciting, wind tech could be a match. Wind turbine technicians climb tall turbines, often in remote areas, to install, inspect, and repair equipment. You’re dealing with strong winds, tight spaces, and heavy components, which is why this “green energy” job pays more than many other hands-on roles. Recent data shows a 2024 median pay of about $62,580 per year, and experienced techs can earn more, especially in high-wind regions.

This job usually requires a postsecondary certificate or two-year program focused on wind energy, plus plenty of on-the-job training. You’ll learn rope access, electrical systems, hydraulics, and rescue procedures. It’s physical work that often means long drives to rural wind farms and climbing multiple towers in a day.

The trade-off is excellent demand. Employment for wind turbine technicians is projected to grow around 50% from 2024 to 2034, one of the fastest growth rates of any job, with about 5,000 openings a year. If you want an outdoor, high-climb, high-adrenaline job with strong pay and future growth, this is a standout.

Structural iron and steel worker

Structural iron and steel worker
Image Credit: Shutterstock

Structural iron and steel workers help build bridges, skyscrapers, and big industrial projects. The job looks exactly as intense as it sounds: you’re often walking beams high above the ground, working with heavy steel, and dealing with wind and weather. Safety gear helps, but the risk is still very real, and official fatal injury data shows iron and steel workers among the highest-risk jobs in the country.

That danger comes with solid pay. Median annual pay for structural iron and steel workers is around $62,700 as of 2024, with higher wages in big metro areas and union jobs. Many earn more through overtime and night or weekend work on major projects. Typical entry is through an apprenticeship after high school, where you learn to weld, read blueprints, rig loads, and move safely at height.

Job growth is projected at about 4% from 2024 to 2034, roughly in line with the average, but openings are steady as construction continues and older workers retire. If you like the idea of seeing the city from the top of a steel frame, and you respect your harness, this is a classic high-risk, higher-pay trade.

Roofer

roofer
Image Credit: Victor Meza via Unsplash

Roofing puts you on sloped surfaces, in heat, cold, and wind, while handling heavy materials and power tools. Falls are a constant risk, and roofers regularly rank among the occupations with the highest fatal injury rates. It’s tough, dirty work, but that’s exactly why many roofing crews pay more than other entry-level construction jobs, especially for workers who show up, stay sober, and learn quickly.

Roofers had a 2024 median annual wage of about $50,970, with top earners making significantly more, especially in commercial or specialty roofing. Many crews also pay overtime during busy seasons and offer bonuses for productivity. Most roofers learn entirely on the job after high school, starting as laborers and working up to lead roofer or foreman.

Job growth is projected at about 6% from 2024 to 2034, a bit faster than average, with roughly 14,300 openings a year as workers move on or age out. If you have good balance, don’t mind heights, and want a trade where hard work shows up directly in your paycheck, roofing is worth a look.

Tree trimmer and arborist

arborist
Image Credit: Shutterstock

Tree trimmers and arborists work high off the ground, often near live power lines and busy roads. You might be climbing with ropes and harnesses or running a bucket truck to prune branches over houses and driveways. Between chainsaws, chippers, and falling limbs, the job is full of risk, which is why experienced climbers can command strong pay, especially in storm-prone regions.

Nationwide wage data shows tree trimmers and pruners earning median pay in the mid-$50,000s, with some estimates putting the median around $54,970 per year and average pay over $51,000. Many workers earn more through overtime during storm seasons and emergency call-outs. Most people enter this field with a high school diploma and learn through on-the-job training or arborist apprenticeship programs.

Demand tends to be steady. Trees always need pruning after storms, and cities, utilities, and homeowners pay well to prevent damage from falling limbs. This job is a good fit if you’re comfortable at height, like working outside, and want a hands-on role where your fearlessness is a real asset.

Logging worker

Logging worker
Image Credit: Shutterstock

Logging workers cut and move trees in forests, often on steep, muddy, or snow-covered terrain. Falling trees, heavy machinery, and remote locations make logging one of the most dangerous jobs in the country, with very high rates of serious and fatal injuries compared with most other occupations.

The 2024 median annual wage for logging workers is about $49,540, which is above many other jobs that require only a high school diploma, and experienced equipment operators can earn more. Pay also depends heavily on region and whether you’re working for a large company or a smaller operation. Many logging crews work long days and seasonal schedules, which can push earnings higher in peak months.

Even though total employment is projected to decline about 2% from 2024 to 2034, there are still around 6,000 openings per year as older workers retire or leave the industry. If you’re drawn to remote, rugged work and don’t mind a physically punishing job, logging can offer decent pay in exchange for real risk.

Commercial diver

commercial diver
Image Credit: Call Me Fred via Unsplash

Commercial divers work underwater to inspect, repair, or build structures like bridges, dams, pipelines, and offshore platforms. The danger comes from depth, pressure, cold water, strong currents, and the chance of equipment failure far from help. It’s not unusual to work in zero visibility, in tight spaces, or around heavy underwater tools.

Because of that risk and the specialized skills required, pay can be strong. National wage data for commercial divers (SOC 49-9092) shows a median annual wage around $61,130, with the top quartile earning more than $93,000. Offshore and saturation diving can pay even more, though those roles come with extreme schedules and higher risk.

Most commercial divers attend a dedicated commercial diving school, then learn on the job under more experienced divers. Certifications, physical fitness, and a very steady temperament are key. If you like the idea of danger, isolation, and highly technical work under water, this niche career can pay a serious premium.

Derrick operator, oil and gas

Derrick operator
Image Credit: Shutterstock

Derrick operators work on oil and gas rigs, keeping the rig’s derrick, the tall drilling structure, running properly. They handle heavy drilling mud, pipes, and equipment at height, often in bad weather and far from medical care. The combination of machinery, flammable materials, and remote locations makes this one of the more hazardous blue-collar jobs.

Wage data for derrick operators in oil and gas shows national average annual pay around the mid–$50,000s, with mean wages near $57,400 and much higher pay in states like Alaska and North Dakota, where averages can top $70,000. Long shifts, overtime, and rotational schedules (for example, two weeks on, two weeks off) can push total earnings even higher.

This job typically requires only a high school diploma and short-term on-the-job training, but you need to pass drug tests, handle long hours, and follow strict safety rules. For thrill-seekers who don’t mind isolation and physical work, derrick operator roles exchange serious risk for solid paychecks.

Continuous mining machine operator

Continuous mining machine operator
Image Credit: Shutterstock

Continuous mining machine operators run powerful underground machines that cut and load coal or ore. You’re working deep underground, around massive moving equipment, in tight, dusty spaces. Cave-ins, equipment accidents, and poor air quality make underground mining one of the most dangerous work environments in the world. Official injury data shows mining machine operators among the higher-risk occupations for serious harm.

The danger and discomfort translate into higher pay. National estimates show a median annual wage of about $61,420 in 2023, or roughly $29.50 per hour, with mean pay just over $62,000. In resource-heavy states, hourly wages can run into the low- to mid-$30s, and overtime is common.

Most operators start with a high school diploma and then receive extensive on-the-job training, along with mandatory safety instruction. This is a good fit if you’re drawn to high-stakes, high-intensity work and don’t mind dirt, noise, and tight spaces in exchange for above-average pay.

Explosives worker and blaster

building demolished by Explosives worker and blaster
Image Credit: Shutterstock

Explosives workers and blasters handle and detonate explosives to demolish buildings, break rock in mines or quarries, or clear construction sites. The risk is obvious: mistakes can be deadly, and you’re often working close to active blasts, flying debris, and unstable structures. Strict regulations and licensing requirements help reduce accidents, but the job will never be “safe.”

Because of this risk and the training involved, explosives workers earn solid wages. National wage estimates show median annual pay around $56,670, with the top 10% earning over $88,000. Many are employed in mining, quarrying, or heavy construction, where overtime and remote-site bonuses are common.

You usually need a high school diploma, employer-sponsored training, and state or federal licensing to work with explosives. This job suits careful thrill-seekers, people who like precision, rules, and adrenaline at the same time.

Hazardous materials removal worker

Hazardous materials removal worker
Image Credit: Shutterstock

Hazardous materials removal workers clean up asbestos, lead, mold, radioactive waste, and other toxic substances. They may respond to accident sites, decommissioned nuclear facilities, or old buildings being torn down. Hazmat workers wear full protective gear, work in hot, confined spaces, and deal with materials that can cause long-term health problems if handled poorly.

The pay reflects that. The 2024 median annual wage is about $48,490, with workers in construction and certain specialties earning over $54,000 and the top 10% making more than $82,000. Overtime is common, especially for emergency response and disaster cleanup, which can drive total income higher.

Most hazmat workers need only a high school diploma and then complete training that meets state and federal standards. Job growth is projected at around 1% from 2024 to 2034, but there are still about 5,000 openings a year as people leave the field and new cleanup projects begin. If you want dangerous work with a clear public-service angle and a steady paycheck, this is a strong option.

Firefighter

Firefighters climb ladder into burning house through smoke
Image Credit: Shutterstock

Firefighters run toward burning buildings, car crashes, chemical spills, and natural disasters. The dangers include flames, smoke inhalation, collapsing structures, and exposure to hazardous materials. Even with modern gear, it’s demanding and risky, physically and emotionally.

Firefighters earn a 2024 median annual wage of about $59,530, with higher pay in big cities and for specialized roles like fire inspectors or wildland crew leaders. Many departments also offer strong benefits, pension plans, and overtime opportunities, which can significantly increase total compensation.

Most firefighters complete a postsecondary fire science or fire academy program plus on-the-job training. Some roles require EMT certification as well. Employment is projected to grow around 3% from 2024 to 2034, with about 26,600 openings per year as older firefighters retire. If you want a career where danger is part of the job description and your work clearly matters, firefighting combines adrenaline with above-average pay and solid benefits.

Police officer

police officer outside his car
Image Credit: Shutterstock

Police and sheriff’s patrol officers respond to crimes, traffic accidents, domestic disputes, and emergencies. The risk comes from confrontations, traffic stops, high-speed chases, and the stress of dealing with volatile situations. The job can be emotionally heavy, but it also offers stability and better-than-average wages for people without advanced degrees.

Recent data shows a 2024 median annual wage around $77,270 for police and detectives. Pay rises with rank, overtime, and specialty units like SWAT, K-9, or investigations. Many officers also receive pension benefits and early retirement options.

Most departments require at least a high school diploma plus completion of a police academy, background checks, and physical fitness tests. Employment for police and detectives is projected to grow about 3% from 2024 to 2034, with roughly 62,200 openings per year, driven largely by retirements and turnover. If you’re comfortable with risk, have good judgment, and want a structured career path with steady pay, law enforcement fits that profile.

Correctional officer

Correctional officer
Image Credit: Shutterstock

Correctional officers work inside jails and prisons, supervising people who are incarcerated. Confrontations, assaults, and mental health crises are part of the reality. The environment is controlled but still dangerous, and staffing shortages can make the job even more intense.

Median annual pay is around $53,020, based on recent federal wage data, with higher pay in certain states and federal facilities. Overtime is common, and some systems pay additional premiums for night shifts or maximum-security facilities.

Most roles require a high school diploma and academy or on-the-job training. Despite a projected overall decline of about 7% in employment from 2024 to 2034, there are still around 31,900 openings per year as officers retire or move into other careers. If you’re drawn to high-stakes work and can stay calm under pressure, corrections can offer steady income with clear risk-based pay.

EMT or paramedic

paramedic
Image Credit: Shutterstock

Emergency medical technicians (EMTs) and paramedics race to scenes of crashes, overdoses, heart attacks, and violent incidents. They lift patients, work in cramped ambulances, and often operate in the middle of traffic or chaotic scenes. The physical risk is real, and so is the emotional toll of constant emergencies.

Pay depends heavily on training level. EMTs earn a median of about $41,340 per year, while paramedics, who have more advanced training and handle more complex procedures, reach around $58,410. With overtime, night shifts, and specialty roles like flight medic, many experienced paramedics earn more than these base figures.

Most EMTs complete a short certificate program, and paramedics usually complete a more intensive program that can take one to two years. Employment is projected to grow about 5% from 2024 to 2034, with roughly 17,700 openings per year. For people who want an adrenaline-heavy job helping others, EMT and paramedic work offers meaningful, if demanding, danger pay.

Water transportation worker

cargo ship on the sea
Image Credit: Shutterstock

Water transportation workers include captains, mates, ship engineers, sailors, and marine oilers. They move cargo and passengers on rivers, lakes, and oceans. The risk factors: storms, rough seas, heavy equipment, and long stretches far from medical care. Working on deck in bad weather or in engine rooms adds plenty of danger.

The 2024 median annual wage for water transportation workers is about $66,490, with some roles paying much more, ship engineers around $101,320 and captains, mates, and pilots about $85,540. Many jobs also come with overtime and extended shifts that boost total earnings.

Entry requirements vary. Some deckhand roles have no formal education requirement and train on the job, while captain or engineer positions require Coast Guard–approved training and credentials. Overall employment is projected to grow about 1% from 2024 to 2034, but around 9,500 openings a year are expected as workers retire or leave the field. If you like the idea of long stretches at sea and can handle rough conditions, this path can pay well for the risk.

Aircraft pilot

two pilots in plane cockpit
Image Credit: Shutterstock

Aircraft pilots, including airline pilots, copilots, flight engineers, and commercial pilots, carry huge responsibility. While modern aviation is much safer than it used to be, the stakes are still life and death. Pilots deal with weather, mechanical issues, tight schedules, and the stress of making critical decisions in the air.

The pay reflects that responsibility and risk. In 2024, the median annual wage for airline pilots, copilots, and flight engineers was about $226,600, while commercial pilots, who often fly charter, cargo, or crop-dusting flights, earned around $122,670. Senior pilots at major airlines can earn well above these figures.

Becoming a pilot takes time and money. You’ll need flight school, licenses, medical exams, and hundreds to thousands of flight hours. Employment for airline and commercial pilots is projected to grow around 4% from 2024 to 2034, about as fast as average, with steady openings as older pilots retire. For thrill-seekers who like structure and can handle intense training, this is one of the highest-paying “danger” jobs out there.

Refuse and recyclable material collector

refuse collector
Image Credit: Carl Campbell via Unsplash

Refuse and recyclable material collectors, the people riding on the back of garbage and recycling trucks, deal with heavy loads, traffic, weather, and moving machinery. They jump on and off trucks all day, lift awkward containers, and work around other vehicles that don’t always give them space. The work is physically demanding and comes with a higher risk of injuries than many other jobs.

Pay is better than many people expect. Recent data shows a 2024 median wage around $48,350 per year, or about $23.24 per hour. Some metro areas pay significantly more, and overtime is common as routes run long or cover holidays. Benefits are often solid when working for city or county sanitation departments.

Most collectors have a high school diploma or less and get trained on the job. You may need a commercial driver’s license if you move into driving. Demand tends to be steady or growing, trash and recycling always need to be collected, and many communities struggle to keep these roles fully staffed. If you’re willing to handle the mess and the risk, this job can pay a premium compared with other entry-level roles.

Discover job hunting tips, ways to earn more, and flexible working options:

Practising job interview
Image Credit: Shutterstock

21 high-paying careers that desperately need workers, but nobody wants to do them: The pay is generous, but these jobs are searching for workers.

No background check jobs: 12 background friendly jobs: If you’re struggling to find a job due to past issues, here are jobs you can get without background checks.

15 remote jobs you probably didn’t know pay $150,000+ In 2026: High income and flexible work hours from home is not a myth — here are some remote-friendly careers.

Byline: Katy Willis

Cleaning out a closet or attic, you might toss old ticket stubs, seat cushions, or random glassware without a second thought. If any of it is from a Super Bowl, pause before you pitch it. Some of those “junk drawer” pieces are now serious collectibles.

A handful of items tied to early games and big-name players have sold for thousands, even six figures. But plenty of smaller pieces, like vintage pennants, drink glasses, and stadium swag, can still bring in $40, $100, or a few hundred dollars if you find the right buyer.

Whether you inherited a box from a die-hard fan or love browsing estate sales and thrift stores, here are just some of the Super Bowl items that could be worth real money.

High-grade program from Super Bowl III

High-grade program from Super Bowl III
Image Credit: Heritage Auctions

Programs from the game where New York Jets quarterback Joe Namath “guaranteed” a win over the heavily favored Baltimore Colts are especially hot. Super Bowl III changed how people saw the AFL and NFL, and fans saved many programs, but most are creased, stained, or written in.

Condition is everything here. In December 2024, a professionally graded CGC 8.5 program from Super Bowl III sold for $576. Lesser copies with light wear might land in the $100–$250 range, while beat-up ones may only be worth $40–$75.

If you have an old Super Bowl program, check the spine for splits, look for writing on the cover, and flip through to make sure no pages are missing. Slip it into a protective sleeve or top-loader, and compare recent sales before you decide whether it’s worth grading.

1968 Super Bowl II press guide

press guide
Image Credit: Heritage Auctions

Press guides were never meant for fans. They were printed for media members and team staff, so far fewer exist today. The guide from Super Bowl II, again featuring the Packers, is a good example of how niche paper items can have real value.

One Super Bowl II press guide sold for about $198 in 2022, and another brought $507.88 back in 2013, depending on condition. That’s the kind of range you’ll often see: well-preserved, clean copies go higher, with heavy wear or writing pulling prices down.

You’re most likely to find a press guide in a box of “office stuff” from someone who worked in sports or media, or at an estate sale where the owner had season tickets. Look for intact covers, no missing pages, and no major water damage. Even if yours isn’t near the top of the price range, a couple hundred dollars for something that looks like a boring booklet isn’t bad.

1970 Minnesota Vikings Super Bowl IV souvenir pennant

1970 Minnesota Vikings Super Bowl IV
Image Credit: feltfootball via eBay

Felt pennants were a cheap souvenir at the time, so parents and kids bought them, pinned them to the wall, and forgot about them. Today, early Super Bowl pennants in good condition are popular with collectors who like bold colors and retro designs.

A 1970 Vikings “World Champions” pennant celebrating Super Bowl IV sold for $125 at auction, even with some wear. That’s solid money for something that may have been tacked up in a childhood bedroom.

Look for older, full-size felt pennants, ideally with bright graphics and no big chunks missing from the tip. Light pinholes and small creases are normal; heavy fading, mildew, or kids’ marker doodles will hurt value. Flatten them gently in a clean, dry place and store in a plastic sleeve or between acid-free boards until you’re ready to sell.

1972–73 Miami “World Champions” pennant from the perfect season

Miami “World Champions” pennant
Image Credit: Colorado Sports Museum via eBay

The 1972 Miami Dolphins went undefeated and won Super Bowl VII, still the only perfect season in NFL history. Anything tied to that run tends to sell well, including simple wall pennants celebrating the “World Champions.”

Vintage Dolphins championship pennants from that era can be seen on resale sites with asking prices around $100 and up (for example, a 1972–73 “World Champions” pennant listed near $108). Actual selling prices vary, but it’s fair to say a clean, bright example could bring $60–$120.

Check both sides of a pennant for fading and stains, and be careful with the felt edges, they tear easily if you tug. If yours looks promising, compare it closely to online photos so you know which exact variant you have, then search sold listings for that style to get a realistic price.

Apple-branded seat cushion from Super Bowl XIX

Apple-branded seat cushion from Super Bowl XIX
Image Credit:
Greg s Fun Shop via eBay

Sometimes the sponsor logo matters as much as the game. For Super Bowl XIX, held at Stanford Stadium in 1985, Apple handed out branded seat cushions. That game featured the San Francisco 49ers and the Dolphins, but to Apple collectors, the cushion is also early tech history.

One Apple Computer Super Bowl XIX seat cushion sold at auction in 2026 for $330. Condition, of course, matters: the cleaner and brighter the Apple logo and Super Bowl graphics, the better.

You’re most likely to find something like this in the home of someone who worked in tech in the 1980s, especially in California, or in a box of old stadium freebies. Check for dry foam, rips, and fading. Even more generic Super Bowl seat cushions from the 1980s and ’90s can bring $20–$50 as fun display pieces, so don’t assume that worn cushion in the garage is worthless.

Pairs of late-’80s Super Bowl stadium seat cushions

80s Super Bowl stadium seat cushions
Image Credit: southerncharmingthings via eBay

Not every stadium freebie is tied to a famous brand, but collectors still like them for the design and nostalgia. A pair of original seat cushions from Super Bowl XXII in San Diego, for example, shows up online as a set with a price around $20. That’s not retirement money, but it’s more than most people expect for old foam.

Many families shoved these into closets after the game and never used them again. If you find a matching pair from the same Super Bowl, especially with clean logos and straps intact, you’re in the right ballpark for a $20–$40 sale. Unmatched, heavily stained cushions may only fetch a few dollars, but they still appeal to hardcore team fans.

Avoid trying to “deep clean” the fabric, because aggressive scrubbing or harsh chemicals can wreck the graphics. A light surface wipe, gentle drying, and good photos are usually enough if you decide to list them.

1994 Super Bowl XXVIII souvenir glass mug

1994 Super Bowl XXVIII souvenir glass mug
Image Credit: StandpipeAntiques via Etsy

Stadium glassware and barware are easy to overlook. They’re heavy, take up space, and often end up at thrift stores. But Super Bowl-branded mugs and glasses from the 1980s and ’90s can sell in the $15–$35 range apiece, especially if they feature bright logos and no chips.

One example: a glass mug from Super Bowl XXVIII has an asking price of about $30 on a vintage marketplace. Sets of different Super Bowl mugs, or full runs for one team, can be even more attractive to collectors and bar owners.

Look for heavy, good-quality glass with crisp printing and an official NFL or Super Bowl logo. Small scratches from washing are fine; chips around the rim or a worn logo will drag down the value. If you have a whole cabinet full of these from years of watching the big game, grouping them into lots by decade or team can make them easier to sell.

“Monsters of the Midway” 1985 Chicago Bears rocks glasses

“Monsters of the Midway” 1985 Chicago Bears rocks glasses
Image Credit: VeryVintagebyTS via Etsy

The 1985 Chicago Bears are one of those iconic teams fans never stop talking about. Souvenir rocks glasses and bar sets with that season’s graphics, including references to their Super Bowl XX win, still get attention on resale sites.

A vintage set of Bears “Monsters of the Midway” team rocks glasses from the mid-1980s recently showed up as sold out at around $30–$40 for the set, and similar NFL rocks glasses often sell in that same range depending on team and condition. Individually, a single glass might bring $10–$15; complete sets with all original pieces do best.

Check for cloudiness from dishwashers, worn graphics, and chips on the rim. Glassware is fragile and heavy to ship, so if you’re selling online, factor in packing costs. For local resale, sports bars and man-cave decorators are obvious buyers. A little cluster of glasses from a famous season can easily turn into $30–$60 cash.

Lots of multiple vintage Super Bowl pennants

vintage Super Bowl pennants
Image Credit:
Herbie’s Sports Collectibles via eBay

Sometimes value comes from the pile, not the single piece. Auction houses occasionally sell mixed lots of vintage sports pennants, including multiple Super Bowls in one group. One lot of six vintage sports pennants, featuring Super Bowl XI and other designs, sold for $75 a few years ago.

If you open a storage bin and find a dozen different team and Super Bowl pennants, don’t assume you have to list each one separately. Sets like this appeal to decorators, shop owners, and collectors who like “instant wall coverage.” A mix of 1970s and 1980s Super Bowl pennants in decent shape can often bring $50–$100 as a lot.

Lay them flat, photograph the best graphics, and be honest about creases or small tears. Keeping them together is less work for you and still turns forgotten felt into real money.n a presentation box, keep it safe and do some careful research before you dismiss it.

Tom Brady–signed Super Bowl XXXIX souvenir football

Tom Brady–signed Super Bowl XXXIX
Image Credit:
Mill Creek Sports via eBay

You don’t need game use to have a valuable Brady piece. A Wilson souvenir football from Super Bowl XXXIX, commemorating the championship where the New England Patriots beat the Eagles, sold for $2,069 in 2025. It was a clean signature, on an official Super Bowl-branded ball, with third-party authentication.

Brady-signed Super Bowl items often land in the $1,000–$3,000 range when they’re limited, well documented, and in great condition. More common signed footballs from regular-season events, camp signings, or mass autograph sessions might go for a few hundred instead.

If you have a Brady autograph, note what’s special about the item itself. Is it a generic NFL ball, or does it clearly reference a specific Super Bowl? Check for certifications from major authenticators, and compare your exact ball to recent sales to see where it might land.

Championship ring from the 1972 Miami Dolphins perfect season

Championship ring from the 1972 Miami Dolphins perfect season
Image Credit: Heritage Auctions

Original Super Bowl rings are at the top of the food chain for many collectors, and the 1972 Dolphins are among the most desirable. Their perfect season and Super Bowl VII win make any ring from that team’s inner circle a big deal.

In 2024, a Super Bowl VII championship ring presented to a minority team owner sold for $75,000. Rings from star players can go even higher. Family-issued and front-office rings usually bring less than star-player rings but are still five-figure items.

Genuine Super Bowl rings are heavy, high-karat gold, and often made by firms like Jostens. They usually come with strong provenance, paperwork, letters from the original owner, or a chain of custody through major auction houses. If you ever stumble onto a ring in an estate situation, do not try to resize, polish, or wear it. Put it in a safe place and get expert advice.

Strategies for making money outside of a traditional job:

freelance writer
Image Credit: Shutterstock

Where to sell sterling silver for the most money: In this post, you’ll learn about the difference between sterling silver and other types of silver, and find places to make the most money from selling your sterling.

What can I sell to make money (or resell)? 38 ideas: Dive into this article to discover things in your house you can sell for quick cash — and where to sell.

What sells quickly at pawn shops: In this post, you’ll find ways to navigate pawnshops, understand how they work and what items are most in demand.

Byline: Katy Willis

You might think your old football cards are just cardboard clutter. A second-year Tom Brady, a weird hologram from the ’90s, or a shiny insert with a Super Bowl logo doesn’t look like serious money.

But Super Bowl–related cards are a whole niche. Anything tied to a big game, MVP moment, or championship win can turn into real cash, from six-figure rookies down to $50 gems hiding in a dollar box. Condition and grading matter a lot, but even raw copies can surprise you.

If your family saved cards from the Terry Bradshaw era, or you ripped packs during Tom Brady’s Patriots years, it’s worth taking another look. Here are 18 very specific Super Bowl cards that have actually sold for strong money, and what to look for in your own shoebox or at the thrift store.

2017 Contenders Patrick Mahomes Super Bowl Ticket auto

Patrick Mahomes Super Bowl Ticket auto
Image Credit: Heritage Auctions

This is the dream pull: the 2017 Panini Contenders Patrick Mahomes II Super Bowl Ticket Autograph Rookie #303, numbered 1-of-1. It uses the standard Rookie Ticket design but with a “Super Bowl Ticket” foil stamp and on-card signature. Because it’s a one-of-one, there’s literally only a single copy, and Mahomes is already a multi–Super Bowl MVP.

A BGS 9 copy of this card sold for $324,000 in November 2023, making it one of the most expensive modern football cards tied directly to the Super Bowl. Lower-tier Mahomes Contenders parallels and inserts regularly land in the five-figure range when graded in top condition.

You won’t likely find this card at a garage sale. But if you see any Mahomes Contenders rookie with an on-card autograph and a “Ticket” design, treat it gently. Check the back for the Super Bowl Ticket logo or serial numbering, and slide it into a sleeve and top loader before you even think about what it might be worth.

2004 Topps Super Bowl XXXVIII MVP Tom Brady patch autos

2004 Topps Super Bowl XXXVIII MVP Tom Brady
Image Credit: premiumsportscardcom via eBay

For Brady collectors, the 2004 Topps Super Bowl XXXVIII MVP patch autograph is a grail card. It features a game-used jersey swatch from his win over the Carolina Panthers and an on-card signature, usually numbered out of 99. The design screams early-2000s Topps, and the Super Bowl MVP callout ties it directly to one of his classic performances.

One BGS 8.5 copy sold for $32,400 in a recent high-end football auction. Another PSA 8 copy sold for $30,000 with buyer’s premium. Even mid-grade examples can land in the tens of thousands because of the combo of patch, auto, and specific Super Bowl branding.

In the wild, this could be sitting in a one-touch case in a local shop or stashed in an old safety deposit box. Look for “Super Bowl XXXVIII MVP” and a serial number out of 99 on the front or back. If you find one, don’t try to press out any edge dings or clean the surface, damage can easily knock off thousands.

2002 Topps Super Bowl XXXVI MVP Tom Brady patch auto

2002 Topps Super Bowl XXXVI MVP Tom Brady
Image Credit: mcards80 via eBay

Two years earlier, Topps marked Brady’s first championship with the 2002 Topps Super Bowl XXXVI MVP patch autograph #SBMVP. The card includes a piece of a game-used football or jersey and a signature, tying directly to the upset win over the Rams. It’s a tough, numbered card that Patriots fans chase hard.

A PSA 8 copy of this patch auto sold for $7,950 in a recent auction. Other graded examples have moved in the mid- to high-four-figure range depending on condition and eye appeal. For a card released just after his first ring, that’s serious appreciation.

The design mentions “Super Bowl XXXVI MVP” and shows Brady in his early Patriots uniform. Watch for chipping on the colored borders and fading on the foil. If you come across one raw in a collection, it’s worth sending to a top grading company before you sell, because a bump from an 8 to a 9 can add a big premium.

1990 Pro Set Vince Lombardi Trophy hologram short print

1990 Pro Set Vince Lombardi Trophy hologram
Image Credit: authenticmemorabilia via eBay

The 1990 Pro Set Vince Lombardi Trophy hologram is one of those oddball inserts that turned into a monster. It’s a small hologram card of the Super Bowl trophy with the Pro Set logo, randomly inserted and notoriously tough to pull. Many kids pinned it to bulletin boards or stuck it in screwdowns that scratched the surface.

Recent price data shows PSA 10 copies reaching into the low- to mid-four-figure range, with one gem-mint example tracked over $7,000 and PSA 9s commonly landing in the $700–$1,500 zone. Even ungraded copies can sell for well over $100 if the hologram is clean and the corners are sharp.

These sometimes show up mixed in with junk-wax commons. Hold the card under a light and check that the hologram isn’t cloudy or deeply scratched. If the edges look crisp and there’s no major peeling, it’s worth putting in a fresh sleeve and hard case and looking up recent graded sale prices before selling.

1971 Topps Terry Bradshaw rookie, a four-time Super Bowl champ

1971 Topps Terry Bradshaw rookie
Image Credit: mitch65ss via eBay

Bradshaw’s 1971 Topps rookie #156 isn’t a Super Bowl highlight card, but it’s the flagship rookie of a quarterback who led the Steelers to four Lombardi trophies. It has a bright yellow background, simple portrait, and “Steelers” in a curved banner, very early-’70s.

High-grade copies have become major keys. PSA auction records show PSA 9 examples selling for more than $30,000 in recent years, with one sale hitting $33,600. Even PSA 7 and 8 grades can land in the high hundreds to a few thousand dollars.

If you find an old Bradshaw card in a shoebox, flip it over and check the year and number. Centering is a big deal here: lots of copies are off-left or off-right. Light corner rounding is normal for a card this old, but sharp corners, strong color, and no creases are what push it into serious money territory.

1970 Topps Super Joe Namath oversized card

1970 Topps Super Joe Namath
Image Credit: PSA via eBay

The 1970 Topps Super Joe Namath #33 is an oversized card that feels more like a small photo. It shows Namath in his classic Jets look just a couple of years after his Super Bowl III guarantee and upset win. Because of the bigger size, a lot of these were pinned, taped, or tossed.

Recent sales show mid-grade raw copies often bringing $25–$80, with nicer examples hitting higher prices. One near-mint copy sold just under $80, while several others in similar shape have landed between $20 and $60. A clean PSA-graded copy can easily move into the low-hundreds.

These sometimes show up in old albums or frames. Check for trimming along the edges and stains from tape or tack holes. Even with some wear, it’s worth more than a typical base card, and because it’s big, you’ll want a larger semi-rigid holder to keep the corners from getting smashed.

1972 Topps Super Bowl VI card

1972 Topps Super Bowl VI card
Image Credit: 365Collectibles via eBay

Topps celebrated the Cowboys’ win over the Dolphins with the 1972 Topps Super Bowl VI card #139. It features Roger Staubach and the Super Bowl game summary, and it’s technically an insert within the regular set. Kids often stacked these with commons or tacked them on walls.

PSA price data shows a PSA 10 gem-mint copy selling for $672, while PSA 9s have brought more than $300. Even PSA 7 copies have sold in the $25–$50 range, with numerous eBay sales recorded in that neighborhood.

Raw examples are common, but quality varies. Look closely at the white borders for chipping and check the centering, many are noticeably off. If you find one that looks sharp and well-centered, it might be worth grading, especially if you already plan to send in a batch of cards.

1973 Topps Super Bowl VII card from the perfect Dolphins season

1973 Topps Super Bowl VII card
Image Credit: Rev Resale via eBay

The 1973 Topps Super Bowl VII #139 card celebrates the Dolphins’ win that capped their perfect 17–0 season. For fans of vintage football and that iconic team, it’s a key piece of cardboard history. The front shows the game action and the back has a short recap.

PSA’s auction records show PSA 9 copies selling around the high two-figure to low three-figure range, with one sale recorded at $187.50. Lower grades still sell regularly because team and Super Bowl collectors build full runs of these cards.

Look for sharp corners and solid color on the back, which tends to show wear. Because it’s not a rookie, some sellers throw it into bulk lots. If you’re going through old binders from the ’70s, pull any card that actually says “Super Bowl” on the front and check the number, those inserts can quietly add up.

17 retro video games that collectors will pay big money for

2002 Fleer Ultra Tom Brady Super Bowl MVP second-year card

2002 Fleer Ultra Tom Brady Super Bowl
Image Credit: D2M Memorabilia Collectibles via eBay

The 2002 Fleer Ultra Tom Brady #181 isn’t an autograph or relic, but it is a second-year card that calls out his Super Bowl MVP status. That combination of early-career Brady and championship mention has made it more desirable than a typical base card.

Sales data shows PSA 10 copies selling in the low- to mid-hundreds, with one gem-mint example going for more than $300 and another for $355. PSA 9 and SGC 9.5 copies often land between $25 and $90, depending on timing and the overall market.

In a shoebox, this looks like a normal glossy early-2000s insert. Check the back for the #181 and make sure you aren’t confusing it with lower-end base issues. If the surface is clean and the corners are sharp, a light-value card like this can still be worth grading if you’re sending in several Bradys anyway.

2002 Topps Super Bowl Goal Post Relic Tom Brady with game-used posts

2002 Topps Super Bowl Goal Post Relic Tom Brady
Image Credit:
kevinhowardnotredame via eBay

One of the more creative Super Bowl cards is the 2002 Topps Super Bowl Goal Post Relic Tom Brady #SBG1. It includes a small piece of the goal post from Super Bowl XXXVI embedded in the card, tied to Brady’s first championship. Over time, collectors have realized how quirky and limited these relics are.

Ungraded copies have sold in the few-hundred-dollar range, and high-grade examples can easily push into the high hundreds. A PSA 8 copy was featured in a premium auction line-up, while graded and authenticated versions around BGS 9 or HGA 9 sit near the $600–$1,000 mark based on recent sales and market data.

These sometimes show up in small display cases or tucked in with other relics. Look for the “Super Bowl Goal Post Relic” text and “SBG1” on the back. Because the card stock is thick, edges can chip easily. Don’t jam it into a tight sleeve; use a slightly larger penny sleeve and a thick top loader instead.

2002 Topps Chrome Super Bowl Goal Posts Adam Vinatieri relics

2002 Topps Chrome Super Bowl Goal Posts Adam Vinatieri
Image Credit:
Spartan Cards LLC via eBay

Kickers don’t always get hobby love, but Adam Vinatieri’s 2002 Topps Chrome Super Bowl Goal Posts #SBG6 relic is an exception. It includes a piece of the goal post from his game-winning kick in Super Bowl XXXVI, and the Chrome refractor versions have a lot of shine.

Recent sales show raw refractor copies selling from about $75 up to $250, with one documented sale at $169.45 and another at $250. That’s a strong price for a non-quarterback relic, driven by the famous moment and limited supply.

If you find one, it will usually say “Super Bowl Goal Posts” and show a small yellow relic window. Tilt it under light to confirm it’s a refractor (you’ll see rainbow shine). Because Chrome cards are prone to surface scratches, it’s worth looking closely before grading, even small marks can drag a grade down.

2022 Donruss Super Bowl Downtown Tom Brady case-hit inserts

2022 Donruss Super Bowl Downtown Tom Brady
Image Credit: ttthom123 via eBay

Modern “Downtown” inserts are some of the hottest case hits in football, and the 2022 Donruss Super Bowl Downtown Tom Brady #SBD-TB is a standout. It mixes cartoon-style artwork with Super Bowl imagery from his Buccaneers win, and collectors love how loud and detailed it looks.

Recent sales show raw copies selling around $1,400, while PSA 10 examples have reached the mid-$3,000 range. Even lower grades and ungraded copies usually sit solidly in the high hundreds.

These don’t look like old-school cards at all, more like a mini poster. Look for the Super Bowl logo and “Downtown” styling on the front. If you pull or find one, avoid stacking it with other shiny cards to prevent surface scratches, and get it into a semi-rigid holder right away.

2022 Donruss Optic Super Bowl Downtown Tom Brady and Black Pandora parallel

2022 Donruss Optic Super Bowl Downtown Tom Brady and Black Pandora
Image Credit: toclem-62 via eBay

Donruss Optic took the same concept and gave it the chrome treatment. The 2022 Optic Super Bowl Downtown Tom Brady #SBD-TB combines the Downtown art with Optic’s glossy finish, plus a rainbow of parallels. For serious collectors, the limited Black Pandora /25 versions are especially desirable.

Price guides and recorded sales show raw Super Bowl Downtown copies selling for several thousand dollars at the high end, with one raw sale tracked at $5,000 . A PSA 9 standard copy has sold just under the $900 mark.

If you’re digging through a modern box, check serial numbers and the pattern behind Brady. The Black Pandora parallel has a distinctive black-and-silver square pattern and is numbered out of 25. Any version should go straight into a magnetic one-touch or graded slab, not a loose deck box.

2023 Optic Super Bowl Downtown Patrick Mahomes inserts

2023 Optic Super Bowl Downtown Patrick Mahomes
Image Credit:
CardCoreCO via eBay

Patrick Mahomes has his own Optic Super Bowl Downtown card in 2023, showing him surrounded by Chiefs and Super Bowl imagery. It’s a short-print insert that only pops out of certain hobby products, which keeps supply tight while demand for Mahomes stays high.

Recent sales show raw copies landing around $1,000–$1,300, with PSA 10 graded examples selling between roughly $1,700 and $2,100. Considering it’s not numbered, that’s a strong price driven mainly by scarcity and player popularity.

Card shows like to keep these in showcase cases near the register. In a collection, look for “Super Bowl Downtown” and Mahomes in a stylized cartoon city scene. As with all Optic shine, keep fingerprints off the surface and don’t try to “clean” it with anything abrasive, a soft, dry microfiber cloth is as far as you should go.

2021 Mosaic Super Bowl MVPs Tom Brady Gold Mosaic /10

2021 Mosaic Super Bowl MVPs Tom Brady Gold Mosaic
Image Credit:
Parallel Gold Shop via eBay

Panini Mosaic’s Super Bowl MVPs inserts highlight Brady’s multiple championship runs, and the Gold Mosaic /10 parallel is one of the most chased. Card #281 shows him in a Buccaneers uniform with a Super Bowl MVP background, and the gold parallel has a bright, reflective finish.

Sales records show Gold and No Huddle Gold versions out of 10 selling from around $600 up over $1,200 in top grades, including a PSA 10 No Huddle Gold that sold for $1,237.12 and other gold parallels in the $325–$600+ range.

These are serial numbered on the back, so check for “/10” next to the card number. Centering is often an issue with Mosaic, and print lines are common. If you have a clean copy, paying for grading can be worth it because the price jump from raw to PSA 10 can be huge on such a low-print card.

16 (non-sports) trading cards that could be worth a bundle

2021 Mosaic Super Bowl MVPs Tom Brady Green Swirl /11 FOTL

2021 Mosaic Super Bowl MVPs Tom Brady Green Swirl
Image Credit: harschr-61 via eBay

Another short-print from the same run is the 2021 Mosaic Green Swirl Tom Brady Super Bowl MVPs #285, a first-off-the-line (FOTL) parallel numbered to only 11. The design mixes green swirl patterns with the Super Bowl MVP layout, and it’s one of the tougher Brady parallels to track down.

Recent sales include PSA 10 examples selling between about $525 and $661, with ungraded Green Swirl copies changing hands around $800–$850. Those numbers put it comfortably in the mid- to high-hundreds even outside of perfect condition.

The serial number “/11” on the back is key. The swirl pattern is more intense than regular Mosaic, so compare it side-by-side with a base Super Bowl MVPs card if you’re unsure. Because FOTL cards can bow slightly, store it in a graded slab or top loader with a fitted team bag to keep dust and moisture out.

2022 Mosaic Super Bowl MVPs Tom Brady Genesis SSP

2022 Mosaic Super Bowl MVPs Tom Brady Genesis SSP
Image Credit:
Slab City Cards NY via eBay

Genesis parallels in Mosaic are unnumbered but extremely short-printed, with a swirling, dark marble-style pattern. The 2022 Mosaic Super Bowl MVPs Tom Brady Genesis #291 focuses on his Buccaneers Super Bowl LV win, and it’s one of those cards that feels special the moment you see it.

Recent raw sales show this Genesis card selling between about $85 and $125, with higher prices for especially clean copies and graded examples selling for more. That’s a strong return for a parallel that doesn’t even have a serial number printed on it.

Genesis cards are instantly recognizable once you’ve seen one, the background looks like a storm cloud with teal and purple veins. If you pull one, keep it out of deck boxes and binder pages. Put it straight into a penny sleeve and semi-rigid holder and consider grading if the surface is clean and corners look sharp.

2005 Topps Heritage Flashback Relics Super Bowl XXXVI MVP Tom Brady

2005 Topps Heritage Flashback Relics Super Bowl XXXVI MVP Tom Brady
Image Credit:
shpre-3622 via eBay

Topps revisited Brady’s first championship a few years later with the 2005 Topps Heritage Flashback Relics Super Bowl XXXVI MVP Tom Brady #FTB. This card features a piece of game-used pylon or goal post from that Super Bowl, styled in a retro Topps Heritage design that feels like an old card even though it’s modern.

Graded examples can be surprisingly valuable. A PSA 8 copy has been offered around the mid-hundreds, and auction records show this card estimated and sold in the $200–$400 range depending on grade and eye appeal . Autographed versions and special authenticated copies can go even higher.

This card usually shows Brady and the Louisiana Superdome, with a square relic window. Check that the relic isn’t loose under the surface or heavily discolored. Because this is a thicker card, store it in a magnetic one-touch or an appropriately sized graded sleeve to keep the corners from flaring over time.

Strategies for making money outside of a traditional job:

freelance writer
Image Credit: Shutterstock

Where to sell sterling silver for the most money: In this post, you’ll learn about the difference between sterling silver and other types of silver, and find places to make the most money from selling your sterling.

What can I sell to make money (or resell)? 38 ideas: Dive into this article to discover things in your house you can sell for quick cash — and where to sell.

What sells quickly at pawn shops: In this post, you’ll find ways to navigate pawnshops, understand how they work and what items are most in demand.