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How to Manage Money in Your 30s

Senior Writer | Small business, personal finance

Senior Assigning Editor | Los Angeles Times; University of California, San Diego; Microsoft

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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Your 30s can be an exciting but challenging decade. While you may be advancing your career and earning more money, you may also face the financial responsibilities of buying a home or having children.
Beyond building a budget for yourself or your family, experts recommend 30-somethings take these steps to successfully manage their money.
Make these money moves
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- How to maximize your rewards
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- Am I on track financially?
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- Key takeaways:
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- A few questions
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- 1. The home office deduction
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- Credit card pros and cons
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- How to contact IRS customer service
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- What is a financial planner?
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- 1. Evaluate your risk
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- 1. Certificates of deposit (CDs)
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- Winner: American Airlines
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- Student loan payment calculator
- 6 things to know about United's delayed flight compensation
- What to expect flying economy class on Iberia
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- 1. Book early if you have special needs or a large party
- Food and drink
- Mortgage income calculator help
- Calculate your DTI
- Preparing to buy tips
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- Why is personal finance important?
- Electric vehicles and charging equipment
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- How do I get Southwest drink coupons?
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- 1. Pay off your cards in order of their interest rates
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- To get a wheelchair, you must satisfy several conditions
- Get serious about goals
- The Hilton Honors AmEx vs. Surpass vs. Aspire card
- Remain calm
- Key findings
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- Stay on top of your payment status
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- First, some background and a caveat
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- Start planning early
- 1. Pick an investment account
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- 1. When you have upcoming trips
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- What to know about American Airlines delayed flight compensation
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- Step 1: Check your credit
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- ICR at a glance
- Read the owners manual
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- 1. Set your budget
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- Short-term goal examples:
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- 1. Sell spare electronics
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- 1. Request a product change
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- 1. Make extra payments toward the principal
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- 1. You may not be entitled to anything
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- Auto insurance
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- How we found the best auto insurance
- 1. Abuelo’s
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- ‘An expensive gamble’
- Refinance to a lower rate
- 1. Start saving early
- 1. Make sure you need help
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- Look for mistakes and correct them
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- 12 best low-cost franchises
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- 1. Amazon
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- For sailings across the Caribbean, Mexico or Central America: CheapCaribbean
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- 1. Free shipping
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- 1. Contact your issuer
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- What to know about cash advance apps
- 1. Buy REITs (real estate investment trusts)
- 1. Know your bank’s mobile check deposit requirements
- 1. Revamp your budget
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- 1. There are two basic Best Buy credit cards
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- How does bill pay work?
- 12 best investments right now
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- Income-based repayment calculator for existing plans
- ARMs gain share
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- More about Voya
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- 1. Delay your application
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- Know the credit score you’ll need
- 1. Credit score and credit history
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- 1. Clean up your credit
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- 1. You won’t pay fees
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- When does the Delta SkyMiles® Gold American Express Card provide coverage?
- Discover savings bonus
- When will the IDR adjustment happen if I don’t get automatic forgiveness?
- In this article
- Amica renters insurance star rating
- How does the on-ramp work?
- National first-time home buyer programs
- 1. Wash your hands and use hand sanitizer with 60% or more alcohol
- Does car insurance follow the car or the driver?
- Our picks for the best life insurance companies in September 2023
- 1. Write a business plan
- Find financing to pay off your lease
- How much you have to make to file taxes
- How does a lady bird deed work?
- 1. Main street businesses need support
- 1. Skip the airport
- Roth 401(k) vs. traditional 401(k): Where they differ
- Writer: Harold Averkamp, CPA, MBA
- Tips to get cheap Amtrak tickets
- Best hotel search engine
- 1. Elite status levels are rewarding from the moment you sign-up
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- How does Rover work?
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- How to compare FHA vs. conventional loans
- How to use this calculator
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- Are you worried about affording your credit card bill payments?
- REPAYE at a glance:
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- Winner for most options: Lufthansa
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- 1. It offers a promotional period on purchases and balance transfers ...
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- Level 1: Slow, but easy
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- Public agency adoption
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- The pros of the Delta SkyMiles program
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- 27 ways to save money
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- No fees
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- Information you’ll need
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- With seats
- Request missing AAdvantage miles
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- What’s the value when booking travel through the Capital One portal?
- Check your account statements
- 1. You can use it only on certain health care purchases
- Nationwide home insurance star rating
- 1. Ask for a preparer tax identification number (PTIN)
- When to book United awards through partner programs
- 1. You must join the Torrid Rewards program, but the card doesn't earn Torrid Rewards
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- The main difference between Typhoon Lagoon and Volcano Bay
- What is ordinance or law coverage?
- Imagine a terrible investment, then make it worse
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- Stocks
- 1. Great Smoky Mountains National Park
- How does the earned income tax credit work?
- A fraudulent transaction is suspected
- 1. More access to cash and check services
- Current Treasury rates
- What is credit card churning?
- First, what’s an escrow account?
- 1. Save money
- What counts as income
- The best money-making apps
- Tax brackets 2023
- How does my credit score impact personal loan offers?
- Three insurance pros and cons
- What is a credit union?
- Advantages of level term life insurance
- Why do I need an emergency fund?
- 50/30/20 budget calculator
- 5 types of dividends
- Short-term capital gains tax
- The cons of Airbnb
- 1. You frequently overspend in certain categories
- How do microloans work?
- Why you had to sign
- Exchanging currency: Start with your bank
- How to convert JetBlue points to dollars
- Our picks for high overall rewards
- Compare car insurance rates
- Choosing a credit card
- Roth IRA income limits
- Homeowners are stuck between a rock and a hard place
- Gross profit margin
- What’s the purpose of a budget?
- A quick note on how to choose tax software ...
- How P2P payments work
- How to make money online
- 1. Make up for lost time
- How does a business budget work?
- Is the stock market crashing?
- What if I missed the tax filing deadline?
- What does a financial coach do?
- Be sure cash back is right for you
- 1. Make sure everyone is OK
- What must a debt validation letter include?
- How much is life insurance?
- Blue Cross Blue Shield Medicare Advantage pros and cons
- SIMPLE IRA vs. traditional IRA
- How credit freezes work
- Do you need a financial planner?
- Why refinance your car loan?
- What does IHG Ambassador status include?
- GreenPath’s services and fees
- Best credit cards with no credit check
- Wells Fargo Active Cash® Card
- 4 steps to research stocks
- The psychology of credit card spending
- How much of my credit should I use?
- 1. You can pre-qualify for the card
- 2. Sell your gift cards
- Secured card vs. prepaid debit: Basics
- Does my employer match count toward 401(k) limits?
- How do LLC taxes work?
- Is the gift tax deductible?
- What's the difference between a HELOC and a home equity loan?
- The fee era
- Why invest in mutual funds?
- Cost to build a house
- Current student loan interest rates
- The best homeowners insurance in Idaho
- How common is credit card fraud?
- Wellcare Medicare Part D pros and cons
- What are capital gains?
- Hotels
- 1. Child tax credit
- Here's how to get a debit card
- Other likely culprits for a stubborn score
- How much do Instagram influencers make?
- Bluebird Card Pros
- Top-rated low-cost index ETFs
- How opening a new credit card can hurt your credit
- You’re able to use all the credits
- What is the standard deduction?
- Who needs to fill out SBA Form 413?
- How do I find the best 529 plans?
- Alliant Credit Union: Best credit union
- How to use the car affordability calculator
- How to choose a business idea
- 9 high-dividend stocks
- 1. Affirm
- IHG Rewards Club
- 2. Auntie Anne’s
- ✅ It may be cheaper
- 1. Start strong
- Is there a Zelle tax loophole?
- The best pet insurance companies at a glance
- The best ways to use Marriott Bonvoy points
- Do you need a passport to book an international flight?
- Small-town business ideas
- Your own insurance usually comes first
- Marriotts on the Las Vegas Strip (or close enough)
- 1. They earn rewards on more than just BMW-related expenses
- The best homeowners insurance in Nebraska
- Latino communities are some of the most at risk when it comes to predatory lending. How can they break cycles?
- Not all reason codes are the same
- Do I have to update my W-4 every year?
- Nearest airport
- When to transfer Chase points to Aeroplan instead of United
- Top daily losers in the S&P 500
- Delta SkyMiles are easy to earn
- Methodology
- What is an assumable mortgage?
- How do I find out when my Marriott points expire?
- 1. Decide what kind of laundry business you want to start
- Oahu
- Try debt-free financing first
- 1. Bank of America
- Look for easy earnings and redemptions
- 1. Shop around
- How they compare
- Some 2021 holiday shoppers still have credit card debt
- Most profitable small businesses
- Protective life insurance
- The best life insurance for seniors in September 2023
- Gastos iniciales
- 1. Choose your account type
- Who got student loan refunds?
- ASPCA pet insurance
- Term life insurance
- What responsibilities does an authorized user have?
- TurboTax's prices
- Choose Wells Fargo if:
- What are the risks of over-the-phone credit card transactions?
- What is a mortgage rate lock?
- Why some colleges could close
- What is a virtual bookkeeping service?
- Compare credit freeze and credit lock
- Income limits for contributing to both an IRA and a 401(k)
- Park ‘N Fly
- Why mortgage rates change every day
- What is the 401(k) early withdrawal penalty?
- What does it mean to live in a state with no income tax?
- Possible government shutdown: How we got here
- What is recourse factoring?
- Is a joint bank account a good idea?
- JAL’s business and first class cabins
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- 21 years old
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- At a glance
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- Costco Anywhere Visa® Card by Citi
- What is a tech business?
- When should I submit the CSS Profile?
- How to calculate the cost of starting a business
- Blockchain example: Bitcoin
- Credit cards and their food-delivery reward rules
- What to know about Chase’s Q4 2023 bonus categories
- What is a Southwest Airlines Companion Pass?
- What is a flexible spending account, or FSA?
- Factors we considered when picking best Cancel For Any Reason insurance companies
- 1. Ibotta
- AT&T
- Humana Medicare Advantage pros and cons
- Why you need a savings account
- Savings calculator help
- Lufthansa economy vs. Economy Light fares
- Average monthly expenses for one person:
- Airbnb properties don't have full-time staff to address issues
- Charitable contributions 2022-2023
- ICR vs. other income-driven plans
- MetLife Pet Insurance
- Global Atlantic life insurance
- 1. Balance transfer card
- Mint, for just about everything
- U.S. Bank Altitude™ Reserve Visa Infinite® Card
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- Costly transaction fees
- Do an energy audit
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- Leverage your union's strike fund
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- How state income tax rates work
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- What is student loan default?
- IRS phone numbers
- 2. It will cost you $10,000 to get one
- 1. Your credit score and financial situation
- 2. Open a joint credit account together
- Benefits at InterContinental Hotels & Resorts
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- Google Sheets budget templates
- Is an investment advisor worth the cost?
- How to freeze your credit
- 529 contribution limits
- The best whole life insurance companies of September 2023
- MileagePlus Premier Gold benefits
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- How much IDR credit will I get?
- 1. Dividend stocks
- What are long-term financial goals?
- Medicare eligibility based on ESRD
- There’s a new wrinkle
- Minimum income requirements for filing a tax return
- What is an LLC?
- What Biden has done for borrowers in repayment
- 1. Earn travel rewards and get rewarded
- Tax brackets 2023
- AAA home insurance star ratings and availability
- 1. Create a payment plan
- A quick answer, most of the time
- Tax prep basics
- You have a high balance on one or more credit cards
- The best renters insurance companies for 2023
- 1. There's more than one version of the store card
- Understanding your results
- How the Apple savings account works
- How employee stock options work
- Your local funding guide to Michigan small business loans
- Your personal credit and experience
- 1. The card you get depends on your membership tier
- Banking
- Great Lakes is transferring loans to Nelnet
- How to use the pre-qualification calculator
- What is the best streaming service?
- Chase Sapphire Preferred® Card: Changes at a glance
- Stay at Marriott hotels
- What is the 10-year treasury yield today?
- Examples of personal finance in everyday life
- How does life insurance work as an investment?
- How to find your federal student loan servicer
- Bank wire transfer
- What is an S&P 500 index fund?
- First-time home buyer benefits
- Our take
- 2. Make multiple payments each month
- What mortgage terms are best for me?
- Credit card issuers won’t allow debt transfer among their own products
- Where does the equity come from?
- Personal services
- What doesn't count as a property tax deduction
- How to earn Copa ConnectMiles
- What are the drawbacks of private student loans?
- Manual vs. power wheelchair or scooter
- What you'll need to apply for income-driven repayment
- Check your U.S. Embassy website
- Top credit cards you can use instantly after approval
- Median income by state: 2022
- 2. Foodie benefits
- How to save for retirement in three steps
- Current Discover bonus categories
- When to take a student loan
- Lemonade pet insurance
- Types of USDA loans
- 1. Start with a new or existing retirement account
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- 2. Consider index funds
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- 4. Lifetime learning credit
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- 2. EarnIn: Best for large advances
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- 2. Offer to move in right away
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- 2. Rebalance your debts and income
- 1. Pick an off-peak date
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- Look into facilities with benevolent funds
- 3. 5minutebookkeeping.com
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Get a secured credit card
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- Step 3: Give your mortgage servicer a heads-up
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- And then there's interest
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- Last-minute flight change eligibility
- How much can you make with I bonds?
- Wash clothes in warm or cold water
- 5. You bought the house through a like-kind exchange
- How to consolidate private student loans
- 4. Consider taking an asset allocation shortcut
- Pros and cons of secured and unsecured RV loans
- Delta international travel insurance cost
- Who ARMs aren’t for
- Will Biden pursue a Plan B for student debt cancellation?
- What happens if you default on student loans?
- What does Blue Cross Blue Shield Medicare Advantage cost?
- Non-Medicare dental coverage options
- 3. Don’t use the money
- How did we determine the value of Marriott Bonvoy points?
- Online financial planning services
- Mutual funds
- Pandemic After Payoff Tests Couple’s Resilience
- Big Front Seats
- Example interest checking APYs at select institutions
- Part-year resident status rules
- 4. Assets and additional applicants
- 5. Profits
- How to invest in dividend aristocrats
- VantageScore vs. FICO
- How to unfreeze your credit
- Traditionally better rates, more discipline required
- Tips to find cheap flights any day of the week
- SoFi drops lawsuit to end forbearance early
- Global Assist hotline
- Cash redemptions
- Iowa Finance Authority first-time home buyer programs
- 5. Keep your things in overhead bins
- Times when car insurance follows the driver
- 4. Open a business bank account
- 8. Take a loan from your retirement account
- Kidney transplant coverage
- Whole life insurance
- What happens if I exceed my 401(k) limit by mistake?
- 6. Life insurance proceeds
- How the annual gift tax exclusion works
- 4. You can find unique gifts
- 4. Leverage memberships
- 2023 tax brackets: married, filing separately
- Other perks of Delta premium economy
- Airlines
- What to know about National Debt Relief
- Best option: A different card
- How Marriott elites get access to United Silver status
- Storing money in apps, not bank accounts
- Personal property coverage
- Animal care
- Cheapest for 20-year-old drivers
- Best for loyal customers: Nationwide
- 3. Pentagon Federal Credit Union (PenFed) Rewards
- Eliminate mortgage insurance
- 1. Making money
- How to apply for a U.S. passport
- Customize your loan payments
- The downside to buying a car with no down payment
- Maximize federal student loans
- Save for the deposit, then apply
- The Westin Las Vegas Hotel & Spa
- Forever homes
- Guarda: 4.6 out of 5 stars
- Foundation grants for nonprofits
- 3. Fly to Europe in lie-flat seats from 60,000 points
- Blue Extra
- About home equity lines of credit
- 2. Save your registration statements
- Advantages of assumable loans for buyers
- Popular Category 4 hotels
- How to lower insurance rates after an accident
- Transfer points to partner airlines
- If your tax rate is low now and you expect it to be higher in retirement
- Prime money market funds
- Our pick for: Travel
- Book Emirates business class from Dubai to Asia
- More about the card
- Protect your vacation budget with travel insurance
- 1. Start small
- Preventive Care
- How much compound interest can you earn on $10,000?
- What to ask before buying a used iPhone
- How to resolve an issue with a pending transaction
- Your 401(k) lets you move your after-tax money
- Mint fare availability varies
- You can apply for closed school loan discharge
- Make sure you use the same accounting software
- Capital One Venture Rewards Credit Card
- The cheapest midsize car insurance company: Auto-Owners
- 4. The card can be used only at Torrid ...
- Demolition
- Equity vs. debt
- How to open a joint account
- Your card has a hold placed on it
- 2. Specialty banking services are available
- 4. The DOT dashboard outlines your rights
- How to make yourself a smaller target for ID theft
- Do you plan to declare bankruptcy?
- Credit cards young adults could apply for
- Travel perks at no cost
- Which vehicle history report should you get?
- Cons of accepting ACH payments
- 4. You could be sued by the lender
- Financial counselors vs. financial advisors
- Blue Cash Preferred® Card from American Express
- Episode transcript
- Step 3: Choose your lender and loan
- Average monthly expenses that declined
- Net investment income tax
- 2. Document your charitable contributions
- What’s not covered
- Create a business continuity plan
- Fees for certified and cashier’s checks
- Skip currency exchange: Use a credit or debit card
- Average annual rate for 20-year-olds, by company
- How the S&P 500 is doing today
- Chase Sapphire Reserve®
- 3. You live in, or travel to, cities with widespread Apple Pay acceptance
- Tips for booking rental cars with an app
- Does RFID matter?
- Best overall paid package and best for ease of use
- Debt amount
- 3. Money market funds
- Other student loan calculators
- 2. States with flat income tax rates
- More tips for choosing Delta basic economy vs. main cabin
- How do I become a financial coach?
- Flat-rate credit cards
- Other options for building credit
- Progressive
- When not to call the IRS
- Drawbacks of SIMPLE IRA plans
- Autotrader
- Tax preparation or bookkeeping
- Step 3: Claim dependents, including children
- Benefits at Six Senses
- Preferred Rewards program makes big difference
- GreenPath’s debt management plan
- 4. Negotiate unexpected costs
- 5. You get car rental discounts
- Bank of America® Customized Cash Rewards credit card
- Watch out for account fees
- REIT types by trading status
- Book one to three months in advance
- Consider the new SAVE repayment plan instead
- FirstHome Program
- 3. The interest rate runs high
- Where to save
- Mishandled luggage
- Choosing corporate tax status for your LLC
- LLC vs. Sole proprietorship: Taxes
- 6. If you're taking Acela, book early
- Level of luxury
- How much does car insurance cost in my state?
- 3. Settle the debt for less than you owe
- 2. Open a no-penalty CD
- What affects your flood insurance cost?
- Additional considerations
- Here's what to do if your debit card is stolen
- How does Wag work?
- Education
- What is New York state's standard deduction?
- More room on credit cards
- Step 2: Select your loan or contracting program
- Contributing too much to a Roth
- How to apply for PAYE
- Wells Fargo Bank: Best for branch access (tie)
- 2. Calculate the car loan amount you can afford
- Personal documents
- How to invest in dividend stocks
- How much is Hulu?
- ❌ It can be harder to change a booking
- Peace of mind
- Get the most out of your cash value growth
- 6. Home cleaning
- How do I make sure coverage applies to my rental?
- If you want to use Southwest Airlines drink coupons
- States that have estate taxes, inheritance taxes or both:
- How to invest in the S&P 500
- How to find first-time home buyer loans
- 2. Set a stock trading budget
- What factors affect the amount you can borrow
- What’s next?
- 2. Fit4Mom
- How to make a claim
- 5. Poshmark
- Those restrictions on third-party buyouts
- 1. OneOpinion
- Find a car loan
- 5. You bought the house through a like-kind exchange
- 4. Write a business plan
- Submit recertification information every year
- Fellowships and assistantships
- Build financial fortitude
- Online experience
- Saving for retirement as a nontraditional worker
- Categories from previous years
- Make lump sum payments
- 5. Make a plan to deal with the aftermath
- How to build a socially responsible investment portfolio
- 4. Dollar-cost averaging
- 3 excuses that keep you from making money investing
- 5. Reconsider tax preparers who don't e-file
- The Medicare Part B penalty
- Today’s rates for specific kinds of mortgages
- What could have happened if the U.S. defaulted?
- How to remove a UCC filing
- Capital One Venture Rewards Credit Card
- 5. Customer experience management, or CXM
- Why should I still submit the FAFSA?
- What doesn’t count as income
- A word of caution
- What you need to work for Instacart
- Details: Chase Freedom Flex℠
- How to maximize your rewards
- 2023 tax brackets: head of household
- How much to keep in your savings account
- How else can I buy cryptocurrency?
- Navy Federal Credit Union
- Booking award flights
- How to evaluate dividends
- What do closing costs include?
- Other ways to pay less
- Why you might still book rental cars in advance
- How did we determine value?
- 5. Provide reference letters
- 4. Mileage deduction
- When do I start accruing interest?
- 5. Take a break from credit card spending
- Is a backdoor Roth IRA worth it?
- Is United’s basic economy worth it?
- You rent cars frequently
- What you can do about it
- 3. Deferred interest may be an option … but it comes with potential risk