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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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- Find the right Medicare Advantage plan
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- 4.8
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- » Editor's note
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- 4.5
- What is the FIRE movement?
- What is modified adjusted gross income (MAGI)?
- What is the Section 179 deduction?
- What are stocks?
- What is alternative minimum tax (AMT)?
- About Anthem
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- What the 15/3 credit hack claims
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- Why the 15/3 credit hack is wrong
- When it might not matter
- What’s the truth?
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- How to minimize the chance of a cut
- Credit utilization ratio details
- What really helps your credit score
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- How it works
- What the Barclaycard Rewards MasterCard® offered when it was still available
- How to maximize your rewards
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- Snapshot comparison
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- What is PayPal?
- U.S. Bank FlexPoints: The basics
- Join Hertz Gold Plus Rewards
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- What is a construction loan?
- What is inflation?
- Impact investing definition
- What is an ESG fund?
- What is a 529 account?
- Tenancy in severalty and estate planning
- What is a backdoor Roth IRA?
- Inheritance tax definition
- If you're receiving Social Security benefits
- What is Medicare?
- What is the gift tax?
- What is a credit card CVV?
- Bottom line upfront
- Is a personal loan tax deductible?
- General credit cards
- How much money should I have saved by 30?
- What is FICA tax?
- Small-cap ETF definition
- Tax benefits of buying a home
- Capital gains tax on stocks: Do you have to pay?
- When is the best time of year to buy appliances?
- Option 1: Use your tablet as a phone over Wi-Fi
- Good credit utilization follows the 30% rule
- When are collections accounts reported to credit bureaus?
- What is a SIMPLE IRA?
- How much does HBO Max cost per month?
- Investing for kids
- What is a savings bond?
- Super Bowl season
- How to get a Diners Club card
- How much should you spend on rent? It depends
- How to make money as a kid
- Is homeowners insurance required by law?
- About Overstock
- SONYMA highlights and eligibility requirements
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Compare Medicare Advantage plans
- Still deciding on the right carrier? Compare Medigap plans
- Fidelity CD rates
- 7 of the best apps to make money
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- Calculate your closing costs
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- Preparing to buy tips
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- How to get paid on YouTube
- Calculate your points' value
- 21 Small-business tax deductions
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- Florida Housing highlights and eligibility
- Microsoft Office Excel budget templates
- Food and drink
- Citizens Bank business checking is best for small-business owners who:
- Virginia state income tax rates and tax brackets
- Mortgage options
- What are TIPS?
- What is a solo 401(k) plan?
- When do I need a cashier's check?
- How much does a wedding cost?
- Original Medicare vs. Medicare Advantage: Overview
- What is an accredited investor?
- What is net worth?
- What is a MagicBand?
- What does APY mean?
- The differences between economy and first class
- How does financing a business work?
- 1. Certificates of deposit (CDs)
- What is Amazon Prime?
- The stock market explained
- Online marketplace and auction sites
- What you need to open a bank account
- What to know before getting the Chase Freedom Unlimited®
- Why your credit score matters to lenders
- 1. The Platinum Card® from American Express
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- Spotify Free
- 1. Report lost debit cards ASAP
- Defining low income
- Savings calculator tip
- What is a savings account?
- States with no income tax
- The handoff
- Best Medicare Advantage companies
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- How to buy Google stock
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- Savings accounts
- The major differences
- Assess your debt load
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- What is a down payment?
- What is a conventional mortgage?
- What is TikTok Shop?
- IHG Executive Club Lounges
- What is my net worth?
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- Where they’re based and where they fly
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- Best tax software providers
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- First, some background
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- 1. Shop at stores with rewards programs
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- 1. You missed a payment
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- Determining needs
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- Features
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- The number of people on your trip
- 1. ShopSavvy - Barcode Scanner
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- 1. Consider an IRA
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- 1. When you have upcoming trips
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- The relationship between debt and inflation
- How to open an IRA
- How to write a check in six easy steps:
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- Auto insurance
- Most profitable small businesses
- 1. Start saving early
- How much is Grubhub+?
- What goes into the credit card interest calculation
- Create a budget plan that works for you
- Bilt airline transfer partners
- Brace for another year of high interest rates — and prices
- How to use the mutual fund calculator
- What information is on a utility bill?
- 1. Open an IRA
- Roth IRA vs. traditional IRA: What's the difference?
- The best budget apps
- What’s changed?
- Highlights
- 1. Abuelo’s
- What is an outstanding balance?
- More space, but not necessarily more comfort
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- Fixed or adjustable rate?
- What is the child tax credit?
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- Frugal food tips
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- What is AirPass?
- How does the lottery work?
- Step 1: Check your credit
- What you need to open a bank account
- 1. Set your budget
- What does a real estate lawyer do?
- 1. Holding the card won’t cost you anything
- Choose Chase if:
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- Our methodology to find the best personal expense tracker apps
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- Pack the snacks and cooler
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- Buy: Toys
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- 1. Strengthen your financial profile
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- What is a HELOC?
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- Try a subscription detox
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- Checks from your bank
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- Set goals
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- Life insurance calculator
- What to expect flying economy with Emirates
- 1. Make extra payments toward the principal
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- How do NFC payments work?
- Step 1: Write a business plan
- International roaming plans: postpaid
- Research study abroad programs (early!)
- Winner for the number of destinations served: Emirates
- What does this value mean?
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- The most popular surveys for cash apps of 2023
- 1. There are four lounges in JFK Terminal 5
- Refinance to a lower rate
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- Baggage allowance on Qatar
- How much can you contribute to a 401(k)?
- 1. Sell spare electronics
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- What next?
- Window replacement considerations
- Best Medicare Supplement Insurance companies
- Tread depth
- 1. Create an Etsy account
- What you need to know about Delta eCredits
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- 1. Buy sooner rather than later
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- B2C product production
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- In this issue
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- How to get started using your points
- The best pet insurance companies at a glance
- The basics
- Car buying’s dirty little secret
- Define your marketing goals
- How to open a Roth IRA in 6 steps
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- What is a resort fee?
- How to contact IRS customer service
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- What is the mortgage interest deduction?
- Best-performing small-cap ETFs
- What is a DUNS number?
- What is a sole proprietorship?
- Advantages of franchising for the franchisee
- 7 high-dividend ETFs
- A secured card with an annual fee might come with the terms you want
- What is Instacart?
- National first-time home buyer programs
- 1. Ibotta
- Does United charge to change flights?
- How to check passport application status
- What are the types of real estate?
- What to do when you want to quit your job after a month
- How a cash advance works
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- 1. Come to your workplace
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- How to estimate your home insurance
- 1. Airlines, including Delta, aren’t required to provide compensation for delays
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- How to budget money
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- 1. Decide on a business location type
- 1. What does Chase Sapphire Reserve® car rental insurance cover?
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- A
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- 1. Decide between an online broker or a robo-advisor
- Key findings
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- 4 common check fraud scams
- Step 1. Include the date
- 1. How Sofitel Club Millésime works
- 1. ‘I love this car!’
- 1. Clean up your credit
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- 1. Earn with ads as a YouTube Partner Program member
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- 1. Startup and organizational costs
- No fees
- Jump to ...
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- How does invoice factoring work?
- 1. Delay your application
- Pros and cons
- Where MagicBands work
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- Shopify vs. Etsy: Deciding factors
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- 1. Write a business plan
- Original Medicare
- In this article:
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- Always confirm availability
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- Amazon
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- On the day you’re pulled over
- 1. There are two Merrick Bank credit cards
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- Pay private student loans first
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- Spotify Premium cost
- Life insurance risk classes explained
- In this article
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- 1. Are there a good selection of hotels where I’m headed?
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- Find FHA approved condos with HUD's search tool
- Where is community college free?
- Why do lenders sell mortgage loans?
- What does this value mean?
- Do your research before choosing a program
- What is a credit score?
- When an EIN is and isn’t required
- Explore your card options
- 1. Credit score and credit history
- What is an abortion?
- An effect that’s difficult to quantify
- Hertz Gold Plus Rewards benefits
- Pros and cons of hardsided luggage
- Is the stock market crashing?
- Key takeaways
- When does Medicare cover vision exams?
- The rise of 'bleisure' travel
- Where can you travel using TrueBlue points?
- 27 ways to save money
- 1. Visit Carmel Valley Ranch in Carmel, California
- Best-performing ESG funds
- What is a technology stock?
- 1. Skip the airport
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- When do you owe tax on mutual funds that you own?
- A quick look at the billing cycle
- What property is tax deductible?
- Best ways to invest in real estate
- Student loan payoff calculator
- Minimum wage over time
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- Can I renew my passport at the post office?
- Immediately: Interest and penalties start
- Buy your groceries at Target
- With seats
- Ways to pay yourself: Salary vs. owner’s draw
- 1. Credibly
- Know when to complain
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- If you're not getting Social Security yet
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- Earnest vs. SoFi refinancing at a glance
- How does a lady bird deed work?
- Step 1: Assess your skills
- Where to find your credit card’s CVV
- How does an FHA 203(k) loan work?
- Public Service Loan Forgiveness
- Clinicians order unneeded tests for various reasons
- How digital wallets work
- Southwest delayed flight compensation: a meal voucher and travel credit
- 1. Know your bank’s mobile check deposit requirements
- How to get started with Visible
- 1. Get a credit card sign-up bonus
- How to start a home business in 9 steps
- ‘Fair credit’ vs. ‘good credit’: Why it matters
- Get pre-approval for car purchase financing
- How debt-to-income ratio is calculated
- Small-town business ideas
- Why do people invest in cryptocurrencies?
- Two broad types of mutual fund fees
- At a glance
- What is an auto loan co-signer?
- How to start a retail business in 10 steps
- The differences between dealerships and independent shops
- Loyalty program cards
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- Foreign transaction fees
- Rite Aid
- IRS customer service hours
- What are estimated tax payments?
- If your employer offers health insurance
- Who buys and sells life insurance policies?
- The 41 best online business ideas
- Why you'll like the Apple savings account
- RV safety considerations
- Federal government farm grants
- How are stocks taxed?
- What does 50,000 Marriott points get you?
- Allstate renters insurance star rating
- Remitly is best for:
- Best tips to save money on international flights
- Travel rewards
- Frontier Airlines Discount Den is for you if …
- What is adjusted gross income (AGI)?
- How Treasury bills work
- 1. Traditional IRA
- How to Refer a Friend for a Capital One card
- Option 2: Use your tablet like a phone with a data-only plan
- What impact does a collections account have on your credit?
- JetBlue travel insurance plans
- How much can I save booking last-minute?
- 1. There are multiple Ally cards
- When is the best time to buy an RV?
- Our picks for the best life insurance companies in December 2023
- With ads
- How to calculate the cost of starting a business
- Penny stock investing
- How to get rich
- Where can I cash my coins?
- 1. VA cash-out refinance
- Real estate agent commissions
- Tax filing status options
- Seek an advisor who takes your needs seriously
- How we got here
- How the Section 179 tax deduction works
- 1. Wash your hands and use hand sanitizer with 60% or more alcohol
- How much will refinancing save?
- How to get a loan with bad credit
- Debit card transaction type
- A modern way to buy new cars
- How does alternative minimum tax work?
- How to book Turkish Airlines economy class
- Medical costs may be more predictable than you think
- Does Airbnb offer discounts?
- Where's my amended return?
- Daily mortgage rates chart
- Welcome offers
- What is a state income tax?
- Risk tolerance factors
- 1. Fill out the FAFSA
- Types of business funding
- FAFSA open date and deadline
- 19 top franchise opportunities for veterans
- 1. Check your account statements
- Do mortgage lenders require home insurance?
- What’s included with a Disney trip payment plan?
- Domestic travel with an adult
- 1. Attractive welcome bonus
- Do I need a passport for a Caribbean cruise?
- Xoom is best for:
- What you should know about Medicare Supplement Insurance plans
- How do microloans work?
- Informed Delivery by USPS
- How to improve your financial health
- Your credit score may drop
- Pros of student loan consolidation
- How to get a copy of your driving record
- If you want to build skills and learn
- The pros of the Delta SkyMiles program
- 1. There's a modest sign-up offer
- How does mortgage insurance work?
- Compare Medicare Advantage plans in New Jersey
- 1. Rewards are healthy
- Social
- 1. Main street businesses need support
- 1. Choose a bakery format
- The best money-making apps
- How to make money online
- How does payday loan consolidation work?
- Blue Cross Blue Shield Medicare Advantage pros and cons
- United adds new and improved family seating policy
- Earn bonus TrueBlue points through JetBlue Vacations and Paisly
- 1. To be eligible to apply, you must be a PenFed member
- At a glance
- Why refinance your car loan?
- How much is life insurance?
- Mint vs. NerdWallet at a glance
- How much do Instagram influencers make?
- Limits on use
- Eligibility
- 2. Auntie Anne’s
- What does a certificate of liability insurance include?
- Rewards on spending
- Do I have to update my W-4 every year?
- Quick facts and who qualifies for a solo 401(k)
- Spirit Airlines bag fees
- 50/30/20 budget calculator
- Individual: $10.99 per month
- Next Insurance
- Priority Pass network options at MIA
- Hair and makeup services
- Does American Airlines charge to change flights?
- 1. A 401(k) or other employer retirement plan
- How to consolidate your debt
- What is a flexible spending account, or FSA?
- How does my credit score impact personal loan offers?
- Summary of cash advance apps
- 1. Marriott Virginia Beach Oceanfront, Virginia Beach, Virginia
- Stock chart components
- What is a Southwest Airlines Companion Pass?
- What’s a good credit score with FICO vs. VantageScore
- Which credit cards allow you to see a breakdown of authorized user purchases?
- 1. Deposit locally, transfer electronically
- Etymology of bullish vs. bearish
- Choose U.S. Bank if:
- Audible Premium Plus 1 or 2 Credits: $14.95 to $22.95
- Your own insurance usually comes first
- What are capital gains?
- Decide when to pay your credit card bill
- The FDIC insurance limit: $250,000 per depositor, per institution, per category
- Options for an old 401(k)
- Transaction types
- What is a statement balance?
- What to know about Chase’s Q4 2023 bonus categories
- Why invest in mutual funds?
- Coinsurance
- If you have private insurance
- Mortgage rates should trend a little lower
- Scenario 1: You know the name of the life insurance company
- What's the difference between a HELOC and a home equity loan?
- Roth IRA income limits 2023
- Who qualifies for the qualified business income deduction?
- Is rent going up or down?
- Travel trends among U.S. travelers
- 7 best investments right now
- Our findings
- 1. Leave positive reviews
- How much of my credit should I use?
- How does bill pay work?
- How is cost of attendance used?
- Points on spending
- Roth 401(k) vs. traditional 401(k): Where they differ
- MasterCard's advantage
- How to start day trading
- A good car salesperson ...
- Qualifying for a jumbo loan
- What is Cash App?
- The rise of pet insurance
- Average inflation rate
- Where to find free protection
- Do your industry research
- Is a pocket listing illegal?
- 1. Buy REITs (real estate investment trusts)
- How to invest in stocks in six steps
- Buying a gift card with a credit card can ‘lock in’ rewards or discounts
- Is a joint bank account a good idea?
- 2. Sell your gift cards
- Skip: If you want to have a significant impact and can give more
- What is skiplagging?
- What is the standard deduction?
- Pros and cons of tenancy in severalty
- Other factors to consider
- What does IHG Ambassador status include?
- Do you need insurance to rent a car?
- Is an inheritance taxable?
- Elite status tiers
- What are the key asset classes?
- Table of Contents
- How does escrow work?
- Is the gift tax deductible?
- How many credit cards is too many or too few?
- How ETF closures work
- What can members do at a shared branch?
- 1. There are several versions of the Destiny credit card
- 1. Customized earbuds
- 1. It offers deferred interest
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- Month-over-month:
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- But home prices won’t fall much, if at all
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- Step 2: Write a business plan.
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- The details
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