7 Money Goals You Must Achieve By Age 30

Adam Del Duca
8 min readMar 31, 2022

Making way towards the big 3–0 is bound to ignite significant changes in one’s life. This is the time when you are probably settled in your career, making good money, acquiring new financial commitments, and as a result, starting to acknowledge the importance of making sound financial decisions. Besides, turning 30 means that you are halfway to retirement, which means it’s time to have a clear plan of the financial milestones you aim to achieve. With demanding responsibilities kicking in, and with time flying by, you can’t afford to be reckless with your finances. As such, here are 7 money goals you need to achieve by 30!

Goal #1: Start Carving Out A Debt-free Lifestyle

In your early to mid-twenties, you are probably still immersing yourself in fun life experiences and using your little money to invest in yourself the best way you know how. And at this point, paying off your debts may not be a top priority. As you near 30 however, and as the fog of early adulthood begins to clear up, the thought of going through life with piles of debt trailing behind you just won’t stack up too well. Actually, entering your thirties while drowning in debt will only have you playing catch up with your finances. You will find yourself using your paychecks to pay off loans, plus the hefty interests they are likely to accrue and as a result, your financial life will be pretty messed up.

If you want to maintain your sanity as you go through adulthood, start paying down your high interest loans immediately. These can be auto loans, high-interest student loans or even credit card debts. Your late twenties are a time to get your hands on different loan consolidation plans and start bidding your debt-filled lifestyle goodbye. Even if you won’t be able to clear all your debts before 30, it’s good to have a plan in place that will point you in that direction. Once you clear your debts, you’ll have some wiggle room to start saving up for big expenses such as buying a home, your children’s education, a car, or even better yet, your retirement. On top of that, getting credit card debts off your plate will go a long way in building an impressive credit score which will be beneficial in many facets of your life!

Goal #2: Start Saving for Retirement