6 Essential Tips on How to Build Wealth in Your 30s

October 8, 2022
October 8, 2022
You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Buying property is a sound financial investment if you spend monthly money on rent. And don’t wait for the right house, either. Buying now is a stepping stone, not a lifetime commitment.  It’s also financial security. Putting your money in a house means you’ll have the opportunity to retire in your own home without worrying about eviction or rental rates. 

2. Pay Off Cards 

Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]So don’t think you have to wait for a perfect point in the housing market to jump in. Buying property is a sound financial investment if you spend monthly money on rent. And don’t wait for the right house, either. Buying now is a stepping stone, not a lifetime commitment.  It’s also financial security. Putting your money in a house means you’ll have the opportunity to retire in your own home without worrying about eviction or rental rates. 

2. Pay Off Cards 

Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]Property should be top of your list. If you aren’t investing in a property, you’re renting. Which means your helping someone else build a wealth portfolio instead. So don’t think you have to wait for a perfect point in the housing market to jump in. Buying property is a sound financial investment if you spend monthly money on rent. And don’t wait for the right house, either. Buying now is a stepping stone, not a lifetime commitment.  It’s also financial security. Putting your money in a house means you’ll have the opportunity to retire in your own home without worrying about eviction or rental rates. 

2. Pay Off Cards 

Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]When you have assets and a regular income (your salary), you can truly build your wealth. Because you start seeing wealth from asset appreciation too. Property should be top of your list. If you aren’t investing in a property, you’re renting. Which means your helping someone else build a wealth portfolio instead. So don’t think you have to wait for a perfect point in the housing market to jump in. Buying property is a sound financial investment if you spend monthly money on rent. And don’t wait for the right house, either. Buying now is a stepping stone, not a lifetime commitment.  It’s also financial security. Putting your money in a house means you’ll have the opportunity to retire in your own home without worrying about eviction or rental rates. 

2. Pay Off Cards 

Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]The 30s is your time to start building a portfolio of assets. When you have assets and a regular income (your salary), you can truly build your wealth. Because you start seeing wealth from asset appreciation too. Property should be top of your list. If you aren’t investing in a property, you’re renting. Which means your helping someone else build a wealth portfolio instead. So don’t think you have to wait for a perfect point in the housing market to jump in. Buying property is a sound financial investment if you spend monthly money on rent. And don’t wait for the right house, either. Buying now is a stepping stone, not a lifetime commitment.  It’s also financial security. Putting your money in a house means you’ll have the opportunity to retire in your own home without worrying about eviction or rental rates. 

2. Pay Off Cards 

Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]The 30s is your time to start building a portfolio of assets. When you have assets and a regular income (your salary), you can truly build your wealth. Because you start seeing wealth from asset appreciation too. Property should be top of your list. If you aren’t investing in a property, you’re renting. Which means your helping someone else build a wealth portfolio instead. So don’t think you have to wait for a perfect point in the housing market to jump in. Buying property is a sound financial investment if you spend monthly money on rent. And don’t wait for the right house, either. Buying now is a stepping stone, not a lifetime commitment.  It’s also financial security. Putting your money in a house means you’ll have the opportunity to retire in your own home without worrying about eviction or rental rates. 

2. Pay Off Cards 

Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]The net worth of the average Australian in 2022 is just over a million dollars. So how do you measure up? Are you on track to build a healthy portfolio of assets now you’re in your 30s?  The reality is that most of us could be doing more with our money, whatever our starting point. Read on if you want to spend your thirtysomething years growing your assets. Here, we’ll share our top six tips for how to build wealth in your 30s. 

1. Invest in Property

The 30s is your time to start building a portfolio of assets. When you have assets and a regular income (your salary), you can truly build your wealth. Because you start seeing wealth from asset appreciation too. Property should be top of your list. If you aren’t investing in a property, you’re renting. Which means your helping someone else build a wealth portfolio instead. So don’t think you have to wait for a perfect point in the housing market to jump in. Buying property is a sound financial investment if you spend monthly money on rent. And don’t wait for the right house, either. Buying now is a stepping stone, not a lifetime commitment.  It’s also financial security. Putting your money in a house means you’ll have the opportunity to retire in your own home without worrying about eviction or rental rates. 

2. Pay Off Cards 

Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form. [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]
The net worth of the average Australian in 2022 is just over a million dollars. So how do you measure up? Are you on track to build a healthy portfolio of assets now you’re in your 30s?  The reality is that most of us could be doing more with our money, whatever our starting point. Read on if you want to spend your thirtysomething years growing your assets. Here, we’ll share our top six tips for how to build wealth in your 30s. 

1. Invest in Property

The 30s is your time to start building a portfolio of assets. When you have assets and a regular income (your salary), you can truly build your wealth. Because you start seeing wealth from asset appreciation too. Property should be top of your list. If you aren’t investing in a property, you’re renting. Which means your helping someone else build a wealth portfolio instead. So don’t think you have to wait for a perfect point in the housing market to jump in. Buying property is a sound financial investment if you spend monthly money on rent. And don’t wait for the right house, either. Buying now is a stepping stone, not a lifetime commitment.  It’s also financial security. Putting your money in a house means you’ll have the opportunity to retire in your own home without worrying about eviction or rental rates. 

2. Pay Off Cards 

Credit cards might be handy modern ways of paying. But these cards also charge some of the highest interest rates of any lending product.  If you have surplus money each month, it makes no sense to save that cash while still paying expensive interest on credit card debt. Likewise, unless you can find an investment that offers higher rates of return than the APR of your credit card, it makes no sense to invest that money before paying your debt.  So to build your wealth in your 30s, you might first minimise the money you pay out each month on credit card interest payments.  Start by focusing on paying off your most expensive card first. Reduce spending on luxury items so you can pay that debt faster. And keep track of your monthly balance. 

3. Get Serious With Your Superannuation Retirement Fund

Retirement might feel a long way off, and you may assume it’s low priority. However, the earlier you start your superannuation fund, the more time your money has to grow in that retirement pot. Investing $1000 in a superannuation fund at 30 is worth multiples to your wealth than investing that same $1000 when you’re 55. Because your retirement is some way off, you can choose a higher risk/reward fund in your thirties than you could opt for if you were starting that fund in your forties or fifties.  If you are new to saving money in retirement, start by keeping things simple. Choose on retirement fund that’s easy to track and pick a monthly investment figure that feels like a stretch but doesn’t feel so high that it may leave you financially short each month.  Get to know about tax benefits from putting money away into retirement. Many of us see our tax as a line on our payslips each month and don’t give it much thought. But tax-free retirement savings is a faster way to build wealth.

4. Choose an Investment Fund

Let’s assume you’ve paid off expensive credit card debts, bought a house, put money into your retirement fund each month, and still earn more each month than you spend.  So now that you have regular monthly savings, what should you do with that money? You could opt for savings accounts with a fixed interest. If you are risk-averse, that’s an option you’d probably be happy to choose.  But a more sensible use of that money would be to put it in a managed investment fund. That is the sensible way to choose something with a relatively high-risk high reward profile but still helps you steer clear of other far riskier options (e.g. dabbling in cryptocurrency trading).   Always get support from a financial planning advisor. We are there to ensure you get the risk/reward ratio correct. 

5. Set a Monthly Budget

Most of us realise that as our pay increases, we tend to spend what we earn, whether that is $20,000 or $2M. There are always items we want to buy with our hard-earned salary. So that’s why it’s essential to have a monthly budget in your 30s, even though it’s a time in your life when you may start seeing increases in your salary as you climb the career ladder. It’s a good idea to download a budget app that will link to your current accounts. Any app that provides a monthly snapshot of your spending will help you keep things under control.  Keep separate budgeting pots available for more significant annual spending, such as vacation or emergency funds. That will help you manage those rarer purchases within your budget rather than see them take you into the red in an expensive month.

6. Monitor Your Credit Report

Access to finance is vital at any point in your life, whether you want to buy a house, buy that brand-new car, or even start a business. So it’s essential to keep your credit agency score in check when building wealth.  Order your credit report from one of the leading credit agencies and make a note to review it each month in your schedule. If your score starts to dip, make it your priority to overpay your credit card debts. An excellent score gives you access to cheaper finance rates, so it’s worth doing as it will save you money in the long run. 

How to Build Wealth in Your 30s

You’ve got to be proactive if you want your money to work hard for you. Now that you have these six tips on how to build wealth in your 30s, it’s time to put some of this into action. Your first step is to order our free wealth assessment. We’ll take a look at your earnings and assets, give you our best financial planning tips, and advise you on the right investment strategy. You can do that now by filling in this form
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