If you're in your 30s and already on track with your retirement and investment goals, you're ahead of the curve. This decade is where the magic of compounding really starts to become visible, turning consistent contributions into substantial growth. Your early efforts are paying off, and the foundation you’ve built will serve as a powerful launch pad for future wealth.

Financial planning in your 30s also brings new challenges. Increased income often coincides with significant life events like marriage, buying a home or starting a family. This can lead to “lifestyle creep,” which is the tendency for spending to rise with income, making it harder to maintain your savings rate. The biggest mistake people in their 30s make is losing focus on their financial goals as their lives change.

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