Smart Money Moves for Millennials

Julia Carlson |

When you turn thirty, people have different opinions about what it means. Some think it's when you become a full-grown adult, even if you don't feel ready. Others think it's the beginning of a time when you start feeling more confident in your job, relationships, and in yourself. No matter what you believe, being in your thirties is a good time with lots of chances to do well.

This is also true for your financial planning. Many experts say that when you're in your thirties, it's a good time to start working on bigger money goals. Here are some examples:


Yes, we’re talking about retirement planning again. As you’re looking at careers, try to carefully research the benefits a company may or may not be offering before choosing to work with them. Someone working for a company with no company matching or retirement contribution may be farther behind on their retirement savings than someone at a company with robust benefits. And if you aren’t taking advantage of your company’s matching or contribution benefits, it’s time to start! Saving now could greatly benefit you down the road.

Emergency Fund

Even if money is tight, it’s important to consider adding money to an emergency fund. You never know when something may happen, so it’s better to be prepared. Start with small, manageable contributions, and aim to increase over time as you’re able.

Major Purchases

Your thirties are an amazing time to start working towards major long-term financial goals. Consider speaking to a financial advisor that can help you develop a plan to pursue your goals and keep you motivated to stay on track. There may be some short-term sacrifices, but they can pay off in the long run when you’re in your new home or lying on the beach on your next vacation.

Information in this material is for general information only and not intended as investment, tax, or legal advice. Please consult the appropriate professionals for specific information regarding your individual situation prior to making any financial decision.  
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