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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
- Mortgage rates today: Monday, April 22, 2024
- Investing for kids
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- Bonds vs. notes vs. bills overview
- 6 steps to opening a Roth IRA
- When is the best time to pay your credit card bill?
- What is a mortgage refinance?
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- What is a W-4?
- Mortgage rates this week
- How to complete the FAFSA if:
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- Dividend definition
- Compare Medigap plans
- Get details on Medicare coverage for:
- What is a home equity line of credit?
- Steps
- What is an FHA loan?
- See CD rates by term and type
- What is alternative minimum tax?
- Definitions: Money Transfer Rates
- What is a financial plan?
- What is an ESPP?
- What is a bond?
- What is inventory turnover ratio?
- What is a commercial loan?
- What is a safe deposit box?
- Quick tips for where to exchange currency
- Compare Medicare Advantage plans
- Steps
- Chase CD rates
- 5 Best Ways to Send Money Internationally
- Capital One 360 CD rates
- 1. Excessive fees
- 2. Exorbitant interest rates
- 3. Low credit limits
- 4. Partial credit reporting
- 5. No upgrade path
- What is a spot Bitcoin ETF?
- What is the saver’s credit?
- How to maximize your rewards
- About Lemonade renters insurance
- What is vacant home insurance?
- How much does HBO Max cost per month?
- What type of income is not taxable?
- How to file taxes for free
- What is a money market account?
- What are oil ETFs?
- Good credit utilization follows the 30% rule
- Inheritance tax definition
- What is an index fund?
- What is passive income?
- What is Medicare?
- What is a cash-back app?
- Key takeaways about P2P payments
- What are refinance closing costs?
- What is an authorized user on a credit card?
- Determining how much mortgage I can afford
- What is a credit freeze?
- Stocks
- What are dividend stocks?
- What is a Roth 401(k)?
- Best-performing leveraged ETFs
- The best pet insurance companies at a glance
- Can you withdraw money from a 401(k) early?
- How meme stocks work
- If you have great credit
- Reasons to quit your job without another lined up
- Georgia state income tax rates and tax brackets
- Service business ideas: The top 15
- Preparing to buy tips
- 7 of the best apps to make money
- What is Marriott’s 35,000-point free night award worth?
- Key takeaways
- Should I put non-debt bills on a credit card?
- What is umbrella insurance?
- What is OASDI tax?
- Capital gains tax on stocks: Do you have to pay?
- What happened to egg prices in March?
- When are taxes due in 2024?
- What is the best way to book a cruise?
- Nerdy takeaways:
- What is a savings account?
- How to make money on Pinterest
- How much are taxes on lottery winnings?
- Online marketplace and auction sites
- How to invest in Black-owned businesses
- About Spot pet insurance
- How to use a savings goal calculator
- 1. Certificates of deposit (CDs)
- 7 best-performing AI stocks
- What to expect when flying economy with Qatar Airways
- Mortgage income calculator help
- Student loan payment calculator
- 1. Borrow money at a better interest rate
- Value investing definition
- Electrify America network details
- How to respond to a job offer
- What are short-term financial goals?
- Email marketing tools
- Commercial loans vs. business loans
- What is cryptocurrency?
- What you need to open a bank account
- What is Form ADV and who files it?
- How much are United miles worth?
- Who can claim the saver’s credit?
- 1. It earns a flat rate on all purchases
- What are credit freezes and credit locks?
- 1. What kinds of travel can be booked through the site?
- Roth IRA contribution limits 2024
- 1. Start saving early
- 50/30/20 budget calculator
- How does refinancing work?
- What to do before applying for a mortgage
- What is a company overview?
- Can I get life insurance as a marijuana user?
- How does a second mortgage work?
- California state income tax brackets and rates
- 1. Sell spare electronics
- The best car insurance
- LendingClub business checking is best for small-business owners who:
- Auto insurance
- Frugal food tips
- Should you pay your credit card more than once a month?
- How to start a business in Arizona in 8 steps
- 1. Tax on capital gains
- How to estimate your home insurance
- Earn the sign-up bonus
- Buy: Major furniture and appliances
- Toll passes to use in rental cars
- What is 100% credit utilization?
- 1. Decide how much investing help you want
- Is student loan interest deductible?
- Check your eligibility
- Don’t price it too high
- Create a budget plan that works for you
- The complimentary Centurion Lounge guest policy has ended
- Baggage allowance on Qatar
- What does a bookkeeper do?
- Minimum wage over time
- 1. Set your budget
- Chase CD rates
- How do CDs work?
- What is the child tax credit?
- What are United PlusPoints?
- Cheap one-day tickets for Universal Studios
- General advice for international money transfers
- What is financial planning?
- Usual coverages may not apply
- Pool loan calculator
- Does United charge to change flights?
- Where can you rent a safe deposit box?
- Capital One CD rates
- Getting to Salt Lake City
- Step 1: Check your credit
- 1. Find a payment strategy or two
- 1. Open an IRA
- Where to find information for the calculator
- How do credit union loans work?
- Daily mortgage rates chart
- What is life insurance underwriting?
- 1. Know your bank’s mobile check deposit requirements
- GA income tax rates: Single filers
- How to find a currency exchange near you
- How to deposit or cash a check step by step
- Expat numbers are on the rise
- Key takeaways
- HELOCs and home equity loans compared
- 1. Internship and work-study attire
- International roaming plans: postpaid
- A quick look at the billing cycle
- VA loans vs. conventional loans
- How to consolidate your debt
- What is a manufactured home?
- American’s generous new change fee policy
- With ads
- Investing through an HSA
- Best day to book a flight
- How to redeem JetBlue travel certificates
- Who got student loan refunds?
- Is my child old enough for a savings account?
- 1. Choose your business entity
- 1. Clean up your credit
- 1. Free advertising for your blog
- Contingencies protect the buyer
- 1. Delay your application
- Best ways to consolidate credit card debt
- Best-performing oil ETFs
- 1. E-ZPass
- Amazon
- The bull call spread
- Best fleet fuel cards
- Average retirement savings balance by age
- 17 passive income ideas for 2024
- Visa vs. Mastercard: Key points
- Student loan payoff calculator
- Best cash-back apps of 2023
- How to use this calculator
- Will savings rates go up?
- The top 10 cleaning franchise opportunities
- Spending rewards
- What is P2P payment?
- How many credit cards is too many or too few?
- How does AMT tax work?
- 1. It’s a premium travel card at a premium price
- How does an ESPP work?
- Don’t take on any new debts or lines of credit
- Interest rate vs. APR
- Short-term goal examples:
- What is the lowest credit score to buy a house?
- How to Refer a Friend for a Capital One card
- Calculator: Convert United miles to dollars
- Roth 401(k) vs. traditional 401(k): Where they differ
- Nearest airports
- What is the 10-year Treasury?
- Top 11 spot Bitcoin ETFs by fee
- What does your travel insurance cover?
- 1. 529 Savings and investing accounts
- What is the 401(k) early withdrawal penalty?
- Current Treasury rates
- How to understand the calculator results
- Breakdown of central air costs
- What minimum credit score is needed to buy a car?
- The best money-making apps
- What was the FFEL Program?
- Wells Fargo Active Cash® Card
- Is a joint bank account a good idea?
- How to make money online
- Start by checking your home equity
- Pros to investing in CDs
- Do I need a credit score for a federal student loan?
- 2. Sell your gift cards
- Do you pay taxes on stocks you don't sell?
- Why is it called fiat currency?
- How stocks work
- For sailings across the Caribbean, Mexico or Central America: CheapCaribbean
- 1. Participate in paid market research
- Hang up and 'go to the source'
- Is inheritance taxable?
- If you have private insurance
- You could be doing it for many months
- Points: Spending rewards
- How do index funds work?
- You can do it yourself
- Get in touch ASAP
- How we got here
- Key takeaways
- 2. Qualify for the best credit card deals
- How does being an authorized user affect your credit?
- Wise
- What mortgage terms are best for me?
- Rite Aid
- How to freeze your credit with all 3 bureaus
- Netflix subscription cost
- What’s a good credit score with FICO vs. VantageScore
- Pool loan calculation examples
- Mint vs. NerdWallet at a glance
- Credit definition
- How safe are safe deposit boxes?
- How to track your refund status with ‘Where's My Refund?’
- Leveraged ETF definition
- How does my credit score impact personal loan offers?
- Pay more than minimums
- What are socially conscious actions?
- Why mortgage rates change every day
- ASPCA: Best pet insurance for broad coverage
- Credit freeze vs. lock
- GA income tax rates: Married filing jointly or head of household
- Personal services
- 1. Figure out if you are eligible
- 5 steps to get preapproved for a home loan
- What is the 50/30/20 rule?
- 1. Ibotta
- Property type
- 1. Pick up freelance work online
- Compare car insurance rates by age
- Ad-free
- How does OASDI tax work?
- What happened at the MOHELA Senate hearing
- When is the last day to file taxes?
- Free tax filing options in 2024
- Banking
- Reducing the interest you pay
- Current Discover bonus categories
- Why you need a savings account
- What are the pros and cons of money market accounts?
- 1. Apply to CSS Profile schools
- Skip: Home electronics
- AtoB
- Strengths
- How much is car insurance?
- Who can deduct student loan interest?
- Investment-based passive income ideas
- What’s behind the numbers in our USDA mortgage calculator
- Credit cards are safer to carry and use
- Medicare eligibility
- Understanding your results
- Or will savings rates go down?
- 1. Chem-Dry
- How will the Student Aid Index be calculated?
- Early repayment fees
- How to redeem rewards
- Universal Studios Orlando
- Review every aspect of the offer
- How is inventory turnover ratio calculated?
- Content marketing tools
- 20 high-dividend stocks
- Workers want to ride the next job wave
- 403(b) vs. IRA
- In the app
- 1. T.J. Maxx loyalists can rake in rewards ...
- New York state income tax rates
- 2023 saver's credit limits (taxes filed in 2024)
- Cheap car insurance
- 2. ABLE accounts
- What reasons can you withdraw from your 401(k) early?
- What to consider before quitting your job
- Roth IRA income limits 2024
- How much does it cost to cash or deposit a check?
- Pre-installation evaluation: $250 for a 2,000 square foot home
- Where Lemonade stands out
- How to calculate your home equity
- 2. Decide how much home you can afford
- T-Mobile
- When do you need vacant home insurance?
- Our pick for: Simplicity
- Why do I need a company overview?
- 1. The annual fee is ridiculous
- What income is tax-free income?
- 3. Pawn something
- Pros and cons
- 1. Rewards come in the form of cryptocurrency
- Globe Life insurance
- 1. Decide how much coverage you need
- How to fill out a W-4
- Lottery tax calculator
- 1. Roll your debts onto a balance transfer credit card
- How to calculate your credit utilization ratio
- Income-driven repayment
- What are dividend stocks and why buy them?
- NVIDIA Corp (NVDA)
- Check in baggage chart
- How much is the child tax credit worth?
- How do you find value stocks?
- ESPP lookback feature
- Don’t create job or income instability
- What are long-term financial goals?
- Standard with ads: $6.99 per month
- What is a good FICO score?
- What to look for
- Which one should I get?
- Access
- Compare Roth 401(k) vs. traditional 401(k)
- More details about Capital One CDs
- Major airlines flying to Salt Lake City
- How do I see my credit score for free?
- When to use a credit freeze
- 2. Confirm the check amount is within mobile deposit limits
- If you have nonprime or near-prime credit
- GA income tax rates: Married filing separately
- Best place to exchange currency: Your bank or credit union
- Monthly after-tax income
- How credit scores affect auto loans
- VA loans
- Pros of joint bank accounts
- How umbrella insurance works
- What is the cheapest car insurance in California?
- Does marijuana impact life insurance rates?
- Ultimate Ad-Free
- Take advantage of the triple tax benefit
- Best day to fly
- What gives fiat currency value?
- What makes a good kids' savings account?
- Frugal shopping tips
- 2. Become a virtual assistant
- What you need to know about savings accounts
- 2. Free advertising for your online business
- 2. Tax on dividends
- Pros
- Buy: Small appliances
- 1. A big sign-up bonus
- Weaknesses
- Average cost of car insurance for different driver profiles
- Median retirement savings balance by age
- Why invest in index funds?
- Don’t price it too low
- 2. Cash management accounts
- Today’s HELOC rates
- How to avoid repossession after missed car payments
- How extra student loan payments work
- How to start a bookkeeping business in 8 steps
- State minimum wages in 2024
- Fetch Rewards
- Use your results to save money
- Child tax credit 2023 (taxes filed in 2024)
- How being an authorized user can help you build credit
- Universal Studios Hollywood
- 9 steps in financial planning
- How much money do I need to buy a house?
- APR comparison
- Types of bonds
- Best car insurance in Massachusetts overall: Travelers
- How do commercial loans work?
- Understanding your pool loan calculator results
- Best car insurance in California overall: Travelers
- On the website
- United MileagePlus Miles value over time
- Debt snowball
- Best credit union personal loans for 2024
- 2024 saver's credit limits (taxes filed in 2025)
- Personalized versus average interest rates
- The risk factor checklist: What are underwriters digging for?
- 2. New cardholders can earn a solid introductory bonus
- Popular credit cards with travel insurance
- 3. Certificates of deposit
- If any of these situations apply to you
- Meme stock history
- U.S. Treasury bonds
- Verizon
- It’s easy to use the 35,000 point free night award at Marriott
- Paying early could help your credit
- When to refinance a mortgage
- Should I put rent payments on a credit card?
- Home equity loans and HELOCs vs. cash-out refinances: Understanding your options
- 1. Educational assistance from your boss
- Sellers are bound once the sale is pending
- 2. Work longer
- Step 1: Enter your personal information
- Is there a federal inheritance tax?
- 1. Dividend stocks
- Medicare at a glance
- Both are accepted nearly everywhere
- 1. Know what you owe and how much you can pay
- 2. Shop for a loan
- 3. Get favorable terms on a new cell phone
- How many PlusPoints are needed to upgrade United flights
- How P2P payments work
- Alternative minimum tax rates 2023
- 2. The annual fee is mitigated by a huge statement credit, sign-up bonus
- 1. Set financial goals
- Information you need to freeze your credit
- Long-term goal examples:
- Key questions to ask
- SMS marketing tools
- Why do people invest in cryptocurrencies?
- Knowing and improving your credit
- Bonds
- Which is best for you?
- Flying to Salt Lake City on points and miles
- What is socially conscious consumption?
- What is the 10-year treasury yield today?
- NY state income tax: Single and married filing separately
- Are paid surveys worth it?
- Cheap auto insurance from large companies
- 3. Endorse the check
- 2. Who is eligible?
- Personal health and wellness services
- Where to cash a check
- Health care quality varies by destination
- Ductwork and design: $500 to $7,500
- Preapproval is not the same as pre-qualification
- Where Lemonade falls short
- 3. Check and polish your credit
- 50% of your income: needs
- 2. Weather gear
- How to get Public Service Loan Forgiveness
- Card earnings details
- Conventional loans
- Debt consolidation calculator
- What is a mobile home?
- Compare cards
- B/R Sports
- 4. Work today for fast cash today
- How the JetBlue Travel Bank works
- How are stocks taxed?
- No minimum balance requirement or monthly maintenance fees
- Cons
- How do lottery taxes work?
- What are oil ETNs?
- EBay
- 2. Bonus rewards on travel and dining
- Request your FSA IDs
- Public Service Loan Forgiveness
- What identity theft protection companies do
- Symbotic Inc. (SYM)
- Boarding
- 1. Pick your market and niche
- FHA vs. conventional loans
- More details about Chase CDs
- What is the federal funds rate?
- How many credit cards should I have?
- Discount points
- Don’t make large deposits without documentation
- Standard: $15.49 per month
- Investing for income: Dividend stocks vs. dividend funds
- Mortgage payoff calculator help
- Contribution limits
- Making referrals: Caveats and considerations
- What to consider when opening CDs
- The pros and cons of a life insurance trust
- Step 2: Pre-qualify and compare offers
- Debt avalanche
- Alliant: Best for fast funding
- 1. Chase Sapphire Reserve®
- Do I have to pay Georgia state income tax?
- 2. Decide what type of investor you are
- Have the correct type of loans, or consolidate
- Vacant vs. unoccupied homes
- How do I know if I have FFELP loans?
- Award flights
- Home equity loans
- How does OASDI tax work if I’m self-employed?
- 2. Adoption help from your employer
- Tuesday and Friday flights can help you avoid the rush earlier in the week
- Why are eggs so expensive?
- What if I didn't make the 2024 tax deadline?
- 1. IRS Free File
- Globe Life insurance policies
- 3. Transcribe audio and video
- 3. Affiliate marketing on Pinterest
- 2. Estimate your financial aid
- Rack up rewards points
- Secure and monitor your accounts
- 2. EZ TAG
- Coast
- Student loan interest deduction form
- How to use the USDA mortgage calculator
- Credit cards earn easy rewards
- Original Medicare
- Pay the Centurion Lounge guest fee
- Does raising the minimum wage cause inflation?
- Other student loan calculators
- Child tax credit 2024 (taxes filed in 2025)
- 4. Improve your chances of renting a home
- 2023 AMT exclusions and phase-outs
- Negotiate as a partner, not an opponent
- ESPP eligibility and limits
- U.S. Treasury bonds
- The gray area
- What is a good VantageScore?
- Other alternatives to Mint
- How do United miles compare with other airlines?
- How do leveraged ETFs work?
- NY state income tax: Married filing jointly or qualifying widow(er)
- U.S. Treasury notes
- The trick to finding off-peak rates at Marriott properties
- What should I include in a company overview?
- Cons of joint bank accounts
- 2. You’ll earn points, but no bonus
- Free and packaged HBO Max plans
- Types of second mortgages
- Cons to investing in CDs
- What credit score is required for a private student loan?
- Prepare for long-term care
- Short-term capital gains tax
- How we got here
- An above-average interest rate
- LendingClub business checking at a glance
- 2. You can earn up to 3% back
- Current Chase bonus categories
- 2. Rebalance your debts and income
- Savings accounts with strong APYs can help your money grow
- When to choose a money market account over a savings account
- How often do these homes go back on the market?
- Step 2: Account for multiple jobs
- Use a credit utilization calculator
- For people with Medicare
- You might have a tough time finding assets
- 3. 50% more value when redeeming for travel
- Spot pet insurance plans and coverage
- Episode transcript
- Do consider the comps
- Issuer pre-qualification pages
- Upstart Holdings Inc. (UPST)
- Seats
- 2. JAN-PRO
- How is the Student Aid Index used?
- How being an authorized user could hurt your credit
- 1. Redeeming rewards for cash back
- Electrify America pricing
- Multi-day park admission deals
- Don’t rush the process
- Website analytics tools
- Types of commercial loans
- How much does it cost to build a pool?
- Which United fares can be refunded?
- How much does a safe deposit box cost?
- When will I get my 2024 tax refund?
- Pros
- Automate
- 2. Set financial priorities
- What is a Bitcoin strategy ETF?
- What the saver’s credit is worth
- 4. Custodial brokerage account
- If you qualify for a hardship withdrawal
- Personal concierge services
- Can I contribute to a Roth IRA if my income is too high?
- Another money-change option: online currency converters
- About home equity loans
- Mortgage selection tips
- International roaming: prepaid
- 2. Rakuten
- Buying a manufactured home
- Standby for free on all routes
- How we chose the cheapest companies in California
- How much does life insurance cost for marijuana users?
- 3. Child support
- 5. Seek community loans and assistance
- Limitations of fiat money
- Credit cards
- Matching payments to paychecks
- How to stocks earn a return
- For consulting reviews from other cruisers: Cruise Critic
- 3. Earn more
- Skip: Swimwear and lingerie
- Inheritance taxes vs. estate taxes
- Bonanza
- 2. Choose an investing account
- Other forgiveness programs
- What is an index?
- Use a budget planner
- Dividend vs. growth stocks
- 3. High-yield money market accounts (MMAs)
- Issuer benefits are more important
- 2. Write a business plan
- See CD rates by bank
- Requirements: Who qualifies for the child tax credit?
- 5. Receive better car and home insurance rates
- Travel perks and protections
- Alternative minimum tax rates 2024
- Qualified vs. non-qualified ESPP plans
- What mortgage can I afford?
- Joann
- Mid-term goal examples:
- Premium: $22.99 per month
- 2. ... But it's not ideal for everyday purchases
- Will pre-qualifying affect my credit score?
- NY state income tax: Head of household
- How your credit score affects your rate
- The different types of life insurance underwriting
- 3. It comes with an introductory balance transfer offer
- Preparing to quit your job without another lined up
- State availability
- 4. Explore mortgage options
- 30% of your income: wants
- What is a FICO Auto Score?
- Google Fi Wireless
- Minimum down payment
- When debt consolidation is a smart move
- Should I put car or student loan payments on a credit card?
- 2. Test websites and apps
- Home equity line of credit (HELOC)
- What does umbrella insurance cover?
- Wednesdays and Saturdays are the cheapest day to fly internationally
- How to get JetBlue flight credits
- Long-term capital gains tax
- What if I didn't get an extension?
- Prepare to pay back your refund
- Easy online access
- How LendingClub business checking works
- How it works
- 4. Sell stuff online
- 3. Taxes on investments in a 401(k)
- 2. Apply for a credit card consolidation loan
- Learn more:
- The bear put spread
- Accident and illness
- Medicare Part A (hospital insurance)
- What are AI stocks?
- How much of your income should go toward a mortgage?
- Do all workers earn at least the minimum wage?
- 3. Determine other ownership costs
- What to consider when opening CDs
- Universal Orlando Resort
- 3. Its rewards program is lucrative
- 2. Track your money
- It’s not what you can borrow, it’s what you can afford
- Corporate bonds
- What is a good inventory turnover ratio?
- Best budget auto insurance in Massachusetts: Geico
- Best California auto insurance for your budget: Auto Club of SoCal
- Employers are looking to adopt and adapt AI
- EveryDollar
- Get a secured credit card
- One in, one out
- Types of credit
- More about Capital One
- Cons
- Get a secured credit card
- First Tech: Best for co-sign and joint loan options
- Cheap car insurance from midsize companies
- When to use a credit lock
- 2. Chase Sapphire Preferred® Card
- 4. Open the mobile deposit function in your bank app
- 5 best-performing meme stocks
- The moral: Be careful before applying
- 3. How do I find out if I’m eligible?
- U.S. Treasury bills
- Options for health care access
- The type of central air unit: $600 to $24,000
- How far in advance should I get preapproved for a mortgage?
- 3. Electronics
- Reduce the monthly payment
- VA loans
- What are my repayment options with FFELP debt?
- Basic company information
- Joint bank accounts and marriage
- Compare insurance rates for 20-year-olds
- OASDI limit 2023
- 6. Ask for forbearance on bills
- Frugal entertainment tips
- 4. Frugal or entrepreneurial inspiration
- Compare money market accounts
- 2. Choose your insurance deductible
- Get familiar with common scams
- WEX
- 4. Point transfers to airlines and hotels
- Retirement savings by age
- Compare identity theft protection services
- Don’t reach out over email
- 2. Dividend index funds and exchange-traded funds
- Coupons.com
- Elevated interest rates and bank failures
- Should you start searching for value stocks?
- Which P2P payment service should you use?
- Potential issues with having multiple credit cards
- 2024 AMT exclusions and phase-outs
- Origination fees
- Example charging costs, and how they compare with gas
- OFX
- How long you have the loan matters
- CRM tools
- Pool loan rates
- How to pay off a mortgage early
- Referral bonus annual limits
- When is the best time to use United miles?
- 2024 tax refund schedule
- What do I need to pre-qualify for a personal loan?
- 2. Consider debt consolidation
- How to be socially conscious without spending a dime
- Price vs. yield
- Top 8 Bitcoin strategy ETFs by fee
- 5. High-yield savings account
- Beauty and lifestyle service business ideas
- Where to avoid cashing a check
- Home equity loans pros and cons
- Boost
- Work full time for a qualifying employer
- What does vacant home insurance cover?
- 4. Payments for caring for children
- California income tax deadlines and extensions
- Best car insurance companies: Our winners
- 3. You must have a Gemini Exchange account
- Current Citi Dividend bonus categories
- How a savings account works: withdrawal limits
- Step 3: Claim dependents, including children
- 3. Read the fine print
- Do I have to pay state tax on lottery winnings?
- 3. Uni toll pass
- You could be sued
- 3. Research Black-owned businesses
- Are student loan payments deductible?
- Under 35
- Do the math
- Index examples
- How are dividends paid out?
- How to meet your monthly savings goal
- Getting the best HELOC rate
- 2. Understand your options
- Apply extra student loan payments toward the principal
- Upgraded economy tickets and seat selection
- FHA loan requirements
- How to claim the child tax credit
- 3. Merry Maids
- 6. Skip utility deposits
- Who benefits from becoming an authorized user?
- Nerd note
- Where to get a commercial loan
- Why is Bitcoin still popular?
- ITIN: What it is and how to get one
- Revolving credit
- How to use a safe deposit box: What you should and shouldn't store
- Leveraged ETF expenses
- How does a life insurance trust work?
- What to know if you take online surveys
- When you should lock your mortgage rate
- 4. You’ll get a break on fees
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- 2024 Georgia state income tax changes
- Currency exchange: Frequently asked questions
- 9. Choose a real estate agent carefully
- How much can you borrow?
- 4. Call in a pro
- Where to get it
- How to have less taxes taken out of your paycheck
- Avoid other redemption options
- 5. Enter a debt management plan
- Benefits
- How much is auto insurance based on your driving record?
- 4. ID WATCHDOG PREMIUM
- What is the highest credit score, and how many people have it?
- 3. Evaluate your eligibility
- User experience
- Swagbucks
- Cheapest auto insurance for poor credit
- Business services
- If you want to spend Marriott’s 35,000-point free night award
- Maximum debt-to-income ratio
- Be flexible with destination, airport and dates
- Investment scams
- The synthetic long
- 4. Decide where to buy your index funds
- Is the $195 annual fee to add an authorized user worth it?
- 10. Junkluggers
- Read the fine print
- Western Union
- 4 key things to know about bonds
- The risks and rewards of each
- Get credit for the bills you pay
- 4. One more thing to know about your tax refund
- Get credit for the bills you pay
- Where is the best place to exchange currency?
- Important considerations when opening a Roth IRA
- Home equity line of credit
- 9. Car costs
- Manufactured home cons
- 5. Your loan is cleared to close
- Keep it succinct
- 7. Self-publish an e-book
- Nonresident status rules
- 14. Tutor
- Explore startups
- Drawbacks
- The bottom line
- Discover it® Secured Credit Card
- Medicare enrollment periods
- Dosh
- 9. Maximize trade-in value, if applicable
- If you're looking for how to use United PlusPoints
- 9. Estate planning: Protect your financial well-being
- Who can access your frozen credit reports?
- Reviews
- You’ll be placed into a life insurance rating category
- 5. Help your kid decide what to invest in
- 3 things to know about Georgia state tax
- Lemonade vs. State Farm renters insurance
- 10. Narrow down your ideal type of house and neighborhood
- VA loans
- Bottom line: Is umbrella insurance worth it?
- Cheapest auto insurance in California for 20-year-old drivers with one at-fault crash
- 17. Consolidate your debt
- How to use a W-4 to owe nothing on a tax return
- Capitalize on other travel perks
- Protections: Peace-of-mind benefits
- How much is auto insurance after an at-fault accident?
- Dividend payout ratio
- Our pick for: An upgrade path
- State child tax credits
- How do you get a perfect credit score?
- Next steps
- B2B administrative services
- How do I find a currency exchange near me?
- When do you have to pay it back?
- Compare insurance rates by driver history
- 4. GetYourRefund.org
- To match with a vacation planner: Avoya Travel
- Report scams and be your own advocate
- Rethink your bank
- Fuel card vs. business gas credit card
- 7. CDs
- Is getting a HELOC a good idea?
- Should you invest in AI stocks?
- 6. Price your services
- Mortgage insurance
- California resident discount for Universal Studios
- After deciding
- Part-year resident status rules
- 7. Poshmark
- Conventional loans
- Have structure
- Discounts
- 4. Research lenders
- Where can you exchange currency for free?
- Cash-out refinance
- 10. Taking longer than four years to graduate
- 18. Refinance your student loans
- 15. Rent out items
- Team it with a different card
- Shopping protections
- 5. Buy index funds
- Are dividends taxed?
- How to enroll in Medicare
- Pros
- 10. Make the purchase
- What is the $500 credit for other dependents (ODC)?
- The bottom line
- Types of financial planning help
- Pros and cons of cryptocurrency
- 8. The Platinum Card® from American Express
- Sales and marketing
- One-time IDR account adjustment for PSLF borrowers
- 8. Get advertising revenue from your blog or YouTube channel
- 14. Purchase protection
- State availability
- Property-based passive income ideas
- Practice good credit habits
- Practice good credit habits
- The final decision
- Cheapest auto insurance in California for 20-year-old drivers after a DUI
- California state tax credits
- 19. Change your cell phone plan
- How it works
- 16. Use cash back apps
- What is credit card consolidation?
- Get excited about a minority-owned stock exchange
- Next steps
- Cons
- 7. Find your customers
- Child tax credit vs. child and dependent care credit
- Cryptocurrency pros
- Nonresident status rules
- Write it later
- Are the proceeds taxable?
- Compare car insurance rates for drivers with a DUI
- Best insurance company for having few customer complaints: American Family
- 5. Separate your personal and business assets
- W-4 calculator
- 15. Return protection
- Mission Lane Visa® Credit Card
- Receipt Hog
- Become an annual pass holder or season pass holder
- Complete financial plan and investment advice
- 5. Apply for a loan
- Personal loan
- 11. Stick to your budget
- Avoid risky loans
- Consumer experience
- 6. Keep an eye on your index funds
- 8. Buy a rental property
- Our pick for: No security deposit, low annual fee
- Types of FHA loans
- You’ll get your life insurance rate
- Next steps
- Technology maintenance and repair services
- Is the interest paid tax-deductible?
- California earned income tax credit (CalEITC)
- Where to get it
- Investing
- How does credit card consolidation work?
- Learn from and work with Black financial professionals
- Does your business need a fleet fuel card?
- 16. Extended warranty
- Can you keep your doctor on Medicare?
- Cryptocurrency cons
- Cheapest car insurance for young drivers
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Get a test reader
- Cheapest for 30-year-old drivers
- To book a vacation package with an airline or hotel
- Is it better to get a home equity loan or line of credit?
- Is holding two separate cards worth the combined $1,390 in fees?
- Home purchase: Basic Home Mortgage 203(b)
- How to choose among the best ways to send money internationally
- Specialized guidance and/or want to meet with an advisor face-to-face
- Salt Lake City Hilton hotels
- 9. Capital One Venture Rewards Credit Card
- Our pick for: Maximized value
- 9. Become an Instagram influencer
- California young child tax credit (YCTC)
- 6. Secure funding
- What else to know about Form W-4
- Travel protections
- 9. Rent out your own house
- 8. Understand your funding options
- Reconsideration for rejected PSLF applications
- Proofread
- 5. Tax Counseling for the Elderly (TCE)
- 1. Has the W-4 form changed?
- Average car insurance costs after a speeding ticket
- FHA refinance loans
- Check your credit scores and reports
- Check your credit scores and reports
- NYC income tax rates
- B2B legal services
- 12. Make the most of walk-throughs and open houses
- Cheapest full coverage car insurance in California for 30-year-olds
- California child and dependent care tax credit
- 17. Rental car coverage
- What Medicare doesn't cover
- Portfolio management only
- Alternatives to commercial business loans
- Cryptocurrency legal and tax issues
- Should you buy stocks or bonds?
- How to redeem rewards on the Chase Sapphire Reserve®
- Is consolidating credit card debt a good idea?
- 10. Get a roommate
- Prosper® Card
- What to do if you can’t keep up with your HELOC payments
- Rakuten
- Credit card rewards
- Company overview examples
- California adoption cost tax credit
- More resources
- How it works
- 2. What does it mean to be exempt from taxes?
- 18. Trip cancellation or interruption insurance
- Spot vs. competitors
- Our pick for: No security deposit, low annual fee, potentially high credit limit
- Other cards that offer Centurion Lounge access
- Travel and tourism service business ideas
- 10. Monetize your Twitch channel
- Alternative investment passive income ideas
- The bottom line
- FHA renovation loans
- Why is financial planning important?
- NYC tax rate schedule
- Cheapest auto insurance for senior drivers
- 10. Hilton Honors American Express Aspire Card
- Home purchasing tips
- California nonrefundable renters tax credit
- Best insurance company for financial strength: Auto-Owners
- Where to get it
- Can I still use my credit card after debt consolidation?
- Spot vs. Pumpkin pet insurance
- MetLife: Best pet insurance for dogs
- 13. Don’t skip the home inspections
- Cheapest minimum coverage car insurance in California for 30-year-olds
- Mortgages
- 19. Trip delay reimbursement
- Average car insurance costs after a DUI
- Medicare vs. Medicaid
- Other specialty FHA loans
- Your decision: Is cryptocurrency a good investment?
- Don't qualify for PSLF? You have other options for relief
- 11. Peer-to-peer lending
- Event service business ideas
- 6. MilTax
- 7. Obtain your licenses and permits
- 3. When should I review my W-4?
- 20. Lost luggage reimbursement
- The best way to bring guests into Centurion Lounges
- Other cash-back apps to consider
- FHA loan limits
- The upside down: When debt and equity roles reverse
- Do I need additional travel insurance?
- How to track your California state refund
- Spot vs. Healthy Paws
- Capital One QuicksilverOne Cash Rewards Credit Card
- 14. Negotiate with the seller
- 11. Sell your photography
- Compare auto insurance rates for drivers with poor credit
- 21. Medical emergencies during travel
- Our pick for: Average credit and rewards
- Shopkick
- Dividends and preferred stock
- 6 things to know about New York state income tax
- Cheapest car insurance by state
- Prime Visa
- Cheapest auto insurance in California for 30-year-olds with poor credit
- How it works
- 4. Can I adjust my W-4 multiple times throughout the year?
- 12. Private equity
- Where can I find out more?
- What's next?
- CoinOut
- Our pick for: Prime gaming
- Where to get it
- How to apply for an FHA loan
- Selling bonds
- Salt Lake City Hyatt hotels
- Frequently asked questions
- 15. Buy adequate home insurance
- California state sales tax
- 8. Review an employer’s responsibilities
- How we review insurance
- Swagbucks
- 1. What is a service business?
- Best insurance company for discounts: Amica
- How to make money from home
- Cheapest auto insurance in California for 30-year-old drivers with one speeding ticket
- 7. Direct File
- How much is auto insurance for good and poor credit?
- 13. Crypto staking
- Capital One Platinum Credit Card
- Military discounts
- 2. How do you start a service business?
- Our pick for: Average credit and no annual fee
- Credit cards do cash back too
- Cards with travel insurance, recapped
- 12. Become a dog walker with Rover or Wag
- 5 things to know about California state tax
- Pros and cons of FHA loans
- How to get cheap car insurance
- 3. How do you calculate the break-even point for service businesses?
- How it works
- Average annual car insurance costs for drivers with good vs. poor credit
- How we picked the apps
- Benefits of FHA loans
- 4. Do service businesses charge sales tax?
- Cheapest auto insurance in California for 30-year-old drivers with one at-fault crash
- Personal loans
- AAA membership discounts
- Product creation passive income ideas
- Disadvantages of FHA loans
- 13. Sell unused gift cards
- AvantCard Credit Card
- The bottom line
- Risks of getting cheap auto insurance
- Where to get it
- Our pick for: Limited credit
- Nationwide: Best pet insurance for exotic pets
- Target Circle™ Credit Card
- 14. Write content
- Warehouse clubs
- Cheapest auto insurance in California for 30-year-old drivers after a DUI
- Ways to get the best FHA mortgage rates
- Our pick for: Target gaming purchases
- Best insurance company for customer satisfaction: State Farm
- 14. List your spare bedroom on Airbnb
- Compare insurance rates for drivers with an accident
- How much is auto insurance based on age?
- How to get discounted Universal Studios tickets, recapped
- For cruise package deals: Costco Travel
- Cheapest for 40-year-old drivers
- Student loans
- Blue Cash Everyday® Card from American Express
- How much is auto insurance for young drivers?
- Our pick for: Good credit
- 15. Publish a digital course
- Cheapest full coverage car insurance in California for 40-year-olds
- How to make money offline
- Car-related passive income ideas
- 15. Sell your gently used clothes
- Best insurance company for military members: USAA
- Directly with the Cruise Line
- Capital One Venture Rewards Credit Card
- Cheapest minimum coverage car insurance in California for 40-year-olds
- 16. Wrap your car with ads
- Our pick for: Travel
- Taxes
- Capital One® Walmart Rewards™ Mastercard®
- Average annual car insurance costs for young drivers by company
- Our pick for: Walmart gaming purchases
- 17. Rent out a parking space
- 16. Trade in old phones, electronics for cash
- Cheapest auto insurance in California for 40-year-olds with poor credit
- Travel rewards
- Comparing cruise prices across websites
- Other ways to save money
- Pets Best: Best pet insurance for flexible plans
- Apple Card
- Full list of the best car insurance companies
- Our pick for: Instant gratification
- How to compare car insurance rates
- How much is auto insurance based on gender?
- 17. Get a babysitting gig
- Mitigate cancellation policy risks with travel insurance
- Cheapest auto insurance in California for 40-year-old drivers with one speeding ticket
- Best car insurance companies by state
- 1. Gather your information
- PlayStation Visa Credit Card
- Venmo Credit Card
- Our pick for: PlayStation purchases
- 18. Rent out your car
- Travel cards with cruise benefits
- Cheapest auto insurance in California for 40-year-old drivers with one at-fault crash
- Our pick for: Personalized rewards
- How much is auto insurance based on vehicle type?
- 2. Choose the right liability car insurance coverage levels
- How to find the best car insurance
- Booking a cruise recapped
- 19. Sign up for TaskRabbit
- Cheapest auto insurance in California for 40-year-old drivers after a DUI
- What else affects my car insurance cost?
- Cheapest for 50-year-old drivers
- 20. Become a private tutor
- Spot: Best pet insurance for straightforward waiting periods
- Cheapest full coverage car insurance in California for 50-year-olds
- Best Buy credit cards
- How to get cheap car insurance
- Our pick for: Best Buy purchases
- 3. Decide if you need full coverage car insurance
- 21. Drive for Uber, Lyft
- Cheapest minimum coverage car insurance in California for 50-year-olds
- 22. Make deliveries for Amazon, Uber Eats
- Cheapest auto insurance in California for 50-year-olds with poor credit
- 4. Collect and compare car insurance quotes
- 23. Find work as a housesitter
- Xbox Mastercard
- Cheapest auto insurance in California for 50-year-old drivers with one speeding ticket
- Our pick for: Digital Microsoft Store purchases
- 24. Sign up to be a mystery shopper
- How much is pet insurance?
- How to choose an insurance company
- Cheapest auto insurance in California for 50-year-old drivers with one at-fault crash
- 25. Put your drone to work
- Compare car insurance companies
- Cheapest auto insurance in California for 50-year-old drivers after a DUI
- How to find the best dog insurance
- Watch out for making money scams
- Cheapest for 60-year-old drivers
- Conditions common to your dog’s breed
- Cheapest full coverage car insurance in California for 60-year-olds
- Your dog’s energy and activities
- Wellness expenses
- Cheapest minimum coverage car insurance in California for 60-year-olds
- How to find the best cat insurance
- Cheapest auto insurance in California for 60-year-olds with poor credit
- Decide whether your cat needs insurance
- Wellness expenses
- Cheapest auto insurance in California for 60-year-old drivers with one speeding ticket
- How to compare pet insurance companies
- Cheapest auto insurance in California for 60-year-old drivers with one at-fault crash
- 1. Check whether your pet is eligible
- 2. Research what’s covered
- Cheapest auto insurance in California for 60-year-old drivers after a DUI
- Cheapest for 70-year-old drivers
- 3. Decide how much coverage you want
- Cheapest full coverage car insurance in California for 70-year-olds
- 4. Understand reimbursements and deductibles
- Cheapest minimum coverage car insurance in California for 70-year-olds
- 5. Check waiting periods
- Cheapest auto insurance in California for 70-year-olds with poor credit
- 6. Examine extra costs
- 7. Compare quotes
- Cheapest auto insurance in California for 70-year-old drivers with one speeding ticket
- How we ranked the best pet insurance companies
- Cheapest auto insurance in California for 70-year-old drivers with one at-fault crash
- Cheapest auto insurance in California for 70-year-old drivers after a DUI
- Cheapest car insurance for military families
- How to get cheap car insurance in California
- Minimum auto insurance requirements in California
- Auto insurance laws in California
- Alternative car insurance in California
- Low-income car insurance in California
- How AAA car insurance works in California
1. Open an IRA
You probably know the importance of saving for retirement and starting early to take advantage of compound interest. You may also know that if your employer offers a retirement plan, you should take advantage of it. But beyond that?
Consider investing in some combination of 401(k), traditional IRA and Roth IRA accounts. (See how to choose between a Roth and traditional IRA.)
One approach is to first ensure you receive the full company match on your 401(k), and then contribute as much as you can to a Roth IRA. The annual maximum is $6,000 for those who fall within the income limits — $124,000 (filing as single) and $196,000 (married filing jointly) for 2020 and $125,000 (filing as single) and $198,000 (married filing jointly) for 2021. If you are over the IRA limit, divert your contributions back to the 401(k).
This approach assumes you have a company-sponsored plan at your disposal. If you’re among those without one, open an IRA on your own via an online broker. Robo-advisors like Betterment and Wealthfront use an algorithm to build and manage your account, automatically investing for you based on your age, retirement goals and risk tolerance. That tolerance should be high in your 30s, when you’re still a few decades off from retirement.
Regardless of your plan, contribute what you can afford and bump up the amount as your income increases — adding a percent or two each time you get a raise — with a goal of setting 10% to 15% of your annual income aside for retirement.
More on investing
2. Set financial priorities
Align spending with your priorities. In addition to increasing your retirement savings as you make more money, be sure to keep your spending in check.
Don’t fall into the trap of spending more just because you earn more. Instead, be intentional about your spending. Work with your partner, if you have one, to determine what is important to you and your family.
For a quick check-in on your spending, plug your income in the calculator below. NerdWallet suggests allocating 50% of your income to necessities, 30% to wants and 20% to savings.
A certified financial planner can also help you set up a plan that takes into account your financial priorities.
Save for emergencies and goals. Savings should be a top priority. If you don’t have an emergency fund, start there.
It can take a while to fully stock your emergency fund, so work in increments. Aim for $500, then $2,000, and eventually build it to cover three to six months of living expenses. This will help you focus on other goals, such as saving for a down payment on a new house or for college if you have kids. You should do this while also saving for retirement.
Use separate accounts for each goal, recommends Brian McCann, founder of Bootstrap Capital LLC in San Jose, California. Keep an online savings account for your down payment or home repair fund, another for a new car and a third for your dream vacation.
“Remember: Your kids can fall back on student loans if necessary; your retirement can’t.”
Try to kick college savings into gear as soon as you have kids, using a 529 plan or other tax-advantaged plan. With an IRA, for example, you can take out money for qualified education expenses without penalty.
Like retirement savings, the sooner you start, the more time your money has to grow. So contribute what you can, without sacrificing retirement savings, to get the most mileage out of your savings. Remember: Your kids can fall back on student loans if necessary; your retirement can’t.
More on reaching your money goals
3. Get disability and life insurance
No one wants to think about the worst-case scenario, but planning for it can make life a little easier should it occur. That’s where insurance comes in.
Most disability insurance offered by employers pays 60% of your base salary if you're too sick or injured to work. For many people, that’s not enough.
Evaluate your current income and future financial goals to figure out what you need, says Tracy St. John, a financial advisor and founder of Financial Avenues LLC in Kansas City, Missouri. Then, look at what your current disability plan would pay. If there’s a gap, consider purchasing additional coverage now.
“As you get older it’s going to cost you more,” she says.
Purchase only what fits within your budget, but choose a plan that allows you to adjust coverage as your income increases.
Adding life insurance can also be a smart move in your 30s, even if you have coverage through your employer, St. John says. Like other policies, life insurance gets only more expensive with age.
More on getting insurance