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As people enter their thirties, they can find themselves facing a variety of significant life events. Planning for these experiences is critical, and folks in their thirties should take the time to create a list of goals for their financial future. Thirtysomethings run the gamut from new professionals starting their first office job to high-tier executives making six figures, and every person’s financial planning goals will be different. Whether you are just embarking on the search for your own place or you’re getting ready to have your third kid, consider these financial planning goals for folks in their thirties.

Contribute to Retirement and an Emergency Fund

Regardless of your financial situation, retirement and savings accounts should be on your radar once you hit your thirties. Try to contribute the maximum annual amount to your retirement accounts, if possible. Building your savings now can help you have a financially stable retirement, and learning about different retirement plans should be on your list if you haven’t done so already. You should also have a fully-funded emergency savings account. Whether you decide to save money to cover three, six, or twelve months’ worth of expenses, having a cushion to fall back on is critical. Unexpected unemployment is a harsh reality for many these days, and it always pays to be prepared.

Maximize Income While Minimizing Expenses

Evaluate your career trajectory. Are you making as much money in your current position as you could in a new specialty or at a different company? Consider your income potential and plan ahead for any changes you’d like to make. At the same time, try to avoid living above your means. Minimize your expenses in a way that provides all of the necessities and sufficient comforts, but avoid spending more than you can afford to. Excessive spending in your thirties can catch up to you quickly, so minimize your debts and pay off what you can.

Engage in Good Financial Planning Habits

Proper financial planning habits are invaluable, and it’s never too late to start learning them. Set a budget for yourself each month, and try to plan ahead for large expenses. Keeping track of your finances is crucial, and it only gets more important with time. Make a habit of educating yourself on things like investing, saving, and other aspects of financial planning. Consider enrolling in a personal finance education program to get informed and make the best decisions possible while in your thirties.