Your 30s are about building wealth while managing major life milestones. From buying a home to starting a family, these financial priorities help you grow assets and protect what matters most.
Navigate major life milestones while building lasting wealth in your 30s
Buying a home is often the biggest financial decision of your 30s. Plan carefully to avoid becoming house-poor while building long-term equity.
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With a family depending on your income, life insurance isn't optional—it's essential. Term life insurance is affordable and provides crucial protection.
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College costs rise 6% annually. Starting early with a 529 plan gives you 15-18 years of tax-free growth to help your kids graduate debt-free.
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Your 30s are prime wealth-building years. Every dollar you save now has 30+ years to compound. Aim to save 15-20% of your income for retirement.
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With young children, estate planning becomes critical. Designate guardians, create a will, and establish powers of attorney to protect your family.
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Your 30s are peak years for career advancement. Strategic moves now can double or triple your lifetime earnings potential.
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Carrying credit card debt in your 30s is wealth sabotage. Eliminate high-interest debt before it derails your financial goals.
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Your net worth should grow substantially in your 30s. Track it quarterly and aim to reach 2-3x your annual income by age 40.
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Get a PDF version of this checklist that you can print, save, and check off as you complete each financial milestone.
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