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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.
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
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- About this tool
- How do we review brokers?
- Fidelity is best for:
- Vanguard is best for:
- Sage50
- Bookkeeping and accounting software
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- Key takeaways about ChexSystems:
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- High-dividend ETFs may generate income
- Net worth defined
- Charles Schwab is best for:
- Compare types of bank accounts
Steps
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- The Hartford business insurance
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- What is loan-to-value ratio?
- What is a VA IRRRL?
- What is a 401(k) plan and how does it work?
- This article is out-of-date. In 2018, Square acquired Weebly. Now, its main online store builder is Square Online, which features both Weebly functionality and integration with Square point-of-sale systems. For more information about Square Online and other options, see NerdWallet's list of the best online store builders.
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- Steps
- 5 Best Ways to Send Money Internationally
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- 1. Excessive fees
- 1. You shouldn’t pay an annual fee
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- 1. Contactless payments will continue to evolve
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- What the 15/3 credit hack claims
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- 2. Exorbitant interest rates
- 2. You only need one card
- EV investment is speeding up
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- Why the 15/3 credit hack is wrong
- 3. Getting another card will hurt your credit score
- 3. Low credit limits
- 2. Travel cards will return to their rewards roots — with a twist
- EV buyers may get financial incentives
- Debit cards for kids: Pros and cons
- What’s the truth?
- 3. This will be the dawning of the age of the 'alternative' card
- Do you want incentives or convenience?
- 4. Earning points and miles isn’t worth the effort
- Cards that offer EV charging rewards
- 4. Partial credit reporting
- Credit utilization ratio details
- 5. You should always use a card
- Credit cards that reward different ways to get around
- 5. No upgrade path
- 4. Premium cards will entice you to sign up and stick around
- Does your credit card already offer its own version of buy now, pay later?
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- 5. Customer experience will be in the spotlight
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- 1. Your credit score
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- 1. Living expenses if your home is damaged
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- 1. Take interest in interest
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- 1. Google
- File your tax return ASAP
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- What is tax evasion?
- 1. Inflation has slowed for 10 months straight
- Free financial advice
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- 1. Missing the deadline
- Auto insurance
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- 1. A credit check from your apartment management will initiate a hard inquiry.
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- Key takeaways:
- Common stock
- Understanding your home improvement loan calculator results
- What’s the difference between cashier’s checks and money orders?
- Current student loan interest rates
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- Fee-only vs. fee-based
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- What is a pension plan?
- 1. Your information
- What is the saver’s credit?
- Decide if you need a laptop in the first place
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- What is a 529 account?
- What are bonds and how do they work?
- What are brokerage fees?
- Decide where to live
- What is Medicare?
- Ohio state income tax rates and tax brackets
- 1. It’s not always available
- Financial consultant definition
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- Does homeowners insurance cover plumbing problems?
- Mutual funds definition
- What does tax exempt mean?
- What is value-added tax (VAT)?
- How does an adjustable-rate mortgage work?
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- How to receive elite perks
- What is stock research?
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- Best-performing leveraged ETFs
- How much are Allegiant points worth?
- Super Bowl season
- 1. Create a simple budget
- At a glance
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- 1. Which type of mortgage is best for me?
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- Consider the source
- Earn money while you spend money
- Think about how feasible the advice is for you
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- Be wary of advice that's too good to be true
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- How to get paid on YouTube
- 1. Tax planning starts with understanding your tax bracket
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- Mortgage income calculator help
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- 1. Learn how to transfer points to airline partners
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- Assess your debt load
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- How to contact IRS customer service
- Understanding a self-directed IRA (SDIRA)
- Tax knowledge is low
- Best-performing biotech ETFs
- 1. Aroma Joe’s Coffee
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- 1. The home office deduction
- Savings calculator tip
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- The major differences
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- Supreme Court deciding student debt cancellation fate
- 1. Evaluate your risk level
- Key takeaways
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- Draft a business plan
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- How do debt consolidation loans work?
- How much is the average electric bill?
- Wanna Get Away Plus features
- How tax returns factor into business loan applications
- How municipal bonds work
- Is 100 points realistic?
- The best AmEx transfer partners
- How to get Aeroplan points
- Exchange gift cards for ones you actually want
- What is home equity?
- 1. Certificates of deposit (CDs)
- The basic differences
- National first-time home buyer loans
- 1. Figure out what living debt-free means to you
- Who is eligible to contribute to a Roth IRA
- Debt consolidation calculator
- Is 4% a high rate?
- How does an IRA work?
- Average retirement savings by age
- What is identity theft insurance?
- Using equity to remodel
- What is a health savings account (HSA)?
- What is an overdraft fee?
- How to use this calculator
- Earn points by charging purchases
- What is a reverse mortgage?
- 1. Decide how much to budget
- Tax filing status options
- What are the benefits of crowdfunding?
- What to look for in a health insurance plan
- Real estate agent basics
- 1. Give yourself a financial checkup
- How much does general liability insurance cost?
- How much do solar panels cost for homes?
- How do you find your old 401(k)?
- What is an interest-only mortgage?
- In this article:
- What does this value mean?
- The IHG® Rewards Premier Credit Card vs. the IHG® Rewards Traveler Credit Card
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- Why get the American Express® Gold Card
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- What is a credit-based insurance score?
- What's the best S&P 500 ETF?
- What is the Marriott Bonvoy program?
- Strides in the workplace
- Commercial loans vs. business loans
- What are HSAs and FSAs?
- New rewards requirements
- 1. Check what you already have and make a list
- 5 best gas apps to help you save money
- The relationship between debt and inflation
- Gently approach the subject
- 1. Pay off your cards in order of their interest rates
- What is a high-deductible health plan?
- Where can you work as a Dasher?
- How to open a coffee shop in 7 steps
- Choose the best MBA program for you
- 1. 'Stack' store and manufacturer's coupons
- 1. Determine if you need to file
- Making money with Rover
- Employment outlook
- Work doesn't have to be major
- Overview of trademark registration
- What is a CD ladder?
- The best Disneyland hotels on points close by
- Define your marketing goals
- How much does a wedding cost?
- What is Zelle?
- Getting to New York City
- Home business ideas
- Grand Hyatt Kauai Resort & Spa
- Expats need not apply
- Clunky seats limit legroom, but double armrests offer comfort
- What should I put in my Roth IRA?
- Step 1: Choose your health insurance marketplace
- Where to exchange currency in the U.S. before your trip
- What to expect flying economy with Emirates
- Service business ideas: The top 15
- Benefits for providers and patients
- Holding Bitcoin
- Cell phone statute of limitations
- What is a payday alternative loan?
- What is my net worth?
- 1. Wood
- How to find a million-dollar business idea
- What is a portfolio?
- QuickBooks Enterprise at a glance
- What is pet insurance?
- The partnership perks
- Free stock screeners
- What is AmEx’s once-per-lifetime rule?
- Who buys a house with cash?
- What is return protection?
- How voluntary repossession works
- Types of savings accounts
- 1. Just one late payment
- What coverage does Original Medicare provide for physical therapy?
- The current state of gas prices across the U.S.
- What to do after getting a Bank of America® Travel Rewards credit card
- 1. Online education
- What is financial aid?
- 13 ways to get the best online deals
- In this article
- What is a 1099-INT tax form?
- Check the Federal Student Aid site
- Best Priority Pass credit cards
- What is an LLLP?
- Types of Navy Federal business loans
- 1. Joining Marriott Bonvoy is free
- Does the tax extension deadline apply to me?
- Where they’re based and where they fly
- Snapshot comparison
- Where to buy bonds
- Personal information
- Credit reports 101
- What is direct deposit?
- How long is term life insurance?
- Ethical investing definition
- When to open multiple brokerage accounts — and why
- Is student loan interest deductible?
- A small reservation change could mean a big price difference
- What does a typical home warranty plan cover?
- The mechanics of after-hours trading
- Why you don’t have a credit score
- How much to save in your emergency fund
- What to expect flying American Airlines Main Cabin Extra
- How much does it cost to file for bankruptcy?
- Accounting basics
- How to start a carpet cleaning business in 8 steps
- CD basics
- What's the difference between a 15-year and 30-year mortgage?
- How do credit union loans work?
- How to upgrade your boarding position on a Southwest flight
- Sell something of value
- What Starbucks® Rewards Visa® Card customers need to know
- The pros of booking with Priceline
- Check what’s available
- Pros & Cons
- Best business CDs
- Lack of wealth doesn't mean you lack discipline
- Earning and redeeming points is easy
- 5 things debt collectors can’t do
- How does a credit-builder loan work?
- 15 best business startup books to read
- How do you get Southwest travel funds?
- Preparing to buy tips
- Compare personal loans vs. auto loans for financing a car
- How much can you contribute to a 401(k)?
- What is Marriott’s 35,000-point free night award worth?
- Wyndham Rewards' award chart
- How does U.S. preclearance work?
- January
- Best Hilton Caribbean resorts
- What to expect when flying economy with Qatar Airways
- Are charitable donations tax deductible?
- What is cash-offer financing?
- The best airlines to fly to Japan
- How to open a liquor store: A step-by-step guide
- FreshBooks vs. Xero at a glance
- Trip delay
- Winner: American Airlines
- What are interest rates based on?
- Tips to get the best last-minute travel deals
- Average real estate agent commission
- Double-decker airplane seat concepts
- 1. Find a payment strategy or two
- All about the Schumer box
- What is Disney Park Hopper?
- 1. Reward social media sharing
- What to expect flying Etihad economy class
- How do CDs work?
- Do you need employment practices liability insurance?
- U.S. Bank vs. Chase business checking: Basic accounts
- What does APY mean?
- Financial advisor fees
- Amazon credit card options
- Top business ideas for nurse entrepreneurs
- Capital One Venture X Rewards Credit Card vs. Chase Sapphire Reserve® benefits
- Citibank interest rates, fees
- If you pay in full every month: APR doesn't matter
- Delta Air Lines refund policy
- First-time home buyer loans and programs
- United credit cards currently available
- How to calculate student loan interest
- How much are United miles worth?
- Estimated Hawaii trip cost
- What to expect flying economy class on Iberia
- Key findings
- What are clean energy ETFs?
- What it means to default on a credit card
- Capital One 360 savings rate, fees
- Creating a greeting card business in 7 simple steps
- How much is a speeding ticket in California?
- 6 things to know about United's delayed flight compensation
- Deciding to switch
- 1. Decide which provider to use
- Valuable perks
- What day is my June payment coming?
- Investment account types
- First, some background and a caveat
- What are short-term investments?
- Environmental
- Huntington Bank business checking is best for small-business owners who:
- What is a business license?
- Types of foreign ATM fees
- 1. Examine your spending
- How life insurers view anxiety
- Sell to an iBuyer
- How Frontier Airlines flight credits work
- What is qualified small-business stock (QSBS)?
- Authorized users
- 1. Choose a smaller phone
- 1. Reach out to a nonprofit or charitable group near you
- What is United TravelBank? How does it work?
- What are some e-commerce business models?
- How much savings should I have?
- What is a public adjuster?
- Take a better picture
- Make the most of your existing financial provider
- Delta SkyMiles® Reserve American Express Card: The basics
- Capital One private student loan alternatives
- What does BPP insurance cover?
- What to expect flying first class with Etihad
- What happens if you don't file your taxes on time?
- The number of people on your trip
- What are consumer discretionary stocks?
- What is a company overview?
- Step 1: File a tax extension
- Decide whether to invest in Matic
- Best time to buy furniture
- The best hotel loyalty programs for free stays via credit cards
- National first-time home buyer loan programs
- How do I buy a prepaid debit card?
- No direct credit score effect
- Pros of booking through online travel agencies
- Generally, closing a bank account doesn't affect your credit
- 1. You’ve reached your credit limit
- Current United credit card offers
- How much is renters insurance in Texas?
- Why your credit score matters to lenders
- Summary of the best banks for small business in Florida
- Georgia state income tax rates and tax brackets
- Pros & Cons
- Investment portfolio definition
- Why buying miles is generally a bad idea
- Things to do before you go
- Top credit cards for active-duty military
- What is a bounced check?
- What's the difference between a budget vs. a forecast?
- How to calculate your credit utilization ratio
- What is GALA trying to achieve?
- Why are debt validation and debt verification letters important?
- Best for:
- Indicators that it's time to expand your business
- Should you finance a big summer purchase?
- What is a vasectomy?
- 12 best low-cost franchises
- Chime business bank account alternatives
- 1. Qualify for the welcome bonus
- Plumbing coverage specifics
- What was your total debt when you started your repayment journey?
- How to get TSA PreCheck for free
- Pay less for auto insurance
- What are derivatives?
- What is a brokered CD?
- Earn those points
- 1. It’s been replaced
- What is a multicurrency account?
- How to apply for a joint business bank account
- B2C product production
- How do I contact American Airlines customer service?
- How the Hilton Grand Vacation Club works
- What is the fastest commercial passenger jet?
- 1. You'll incur less interest
- 1. Save more
- How much does a wire transfer cost?
- 1. You’ll have better luck with the website, not the app
- What is early retirement age?
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- The three benefits of dollar-cost averaging
- Get your budget under control
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- What does roadside assistance cover?
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- 1. Don't give in to pressure to pay on first contact
- How to maintain airline elite status, broken down by program
- 401(k)s: Getting the full match
- 1. Personal loans
- What is a conventional loan?
- Step 1: Decide whether you want to open your own shop, a franchise, or buy an existing business.
- Liberty Mutual business insurance: Pros and cons
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- 1. ThredUP
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- Alaska Airlines
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- How do LLC taxes work?
- 1. Buy REITs (real estate investment trusts)
- Calculator: Convert United Airlines miles to dollars
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- American Express Business Blueprint™ is a good option if you:
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- Choose Alliant if:
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- A broker
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- 1. Hilton Aruba Caribbean Resort & Casino
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- Do: Gather your documents in advance
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- Next: Best overall insurance provider for sole proprietors
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