August 4, 2025

If you are looking for a way to live a good life with ideal financial conditions, you need to learn some lessons so that you can create a good financial situation for yourself. If you spent your 20s without worrying about financial matters, now that you have entered your 30s, you should have your bank account and be able to manage it. In this article, we have brought you some of the financial tips you need to know and follow about financial management at this stage of your life so that you can build a bright future for yourself.    Tips for having  financial freedom in Your 30s   1. Have some money saved You may be in your thirties, just starting out in the business world, and you haven’t saved any money yet, but this is a habit you should start now. You don’t have to put aside a large amount every month, just take a small amount out, and before you know it, you’ll have a significant amount saved for those days when you need it most.  2. Always look for a better job You may be happy with your job and don’t want to change it, but we suggest that you go to job interviews every now and then to test your worth and abilities and to find out about the salaries and benefits of other companies. 3. Take risks Changing jobs or continuing your education in your forties may not be in your best interest. So if you think you should change your job or continue your education, it’s better to make this decision in your 30s. This call may not increase your financial income right now, but if it makes you happier, it’s worth it. 4. Spend your money on learning Our experts advise you to spend at least a few percent of your income on learning new skills. By improving your abilities and boosting your resume, you will also increase your income in the best possible way in the long run.  5. Don’t spend too much Of course, as your abilities and skills increase, your financial income will also increase. But this is not a reason to prove yourself to others. You should not compare yourself to others in any way. If they have a high-end car, there is no reason for you to throw an expensive car under your feet. You should plan your life and invest your money according to the goal you have in mind. 6. Be a role model for others Just as you should never stop learning, you should also teach others, especially your children, from the very beginning how to manage their money and deal with financial issues. In fact, they need to learn to be responsible with finances, otherwise they will leave you with a burden of instalments and debt.  7. Buy a house One of the best investments you can make in your thirties is buying a house. Buying a house may be a dream for you, but you should make it one of your most important goals. So once you’ve paid off all your debts, start saving up for a house. 8. Talk to your spouse about finances If you are married or if you are single but have found your soulmate and want to build your future with him, talking about finances is not only okay but one of the topics that you should definitely discuss with your partner. This will not only increase the intimacy between you but also your bank account. 9. Prepare for having children You may not have children yet, but if you think about those days from now and set aside some money for the needs of that time, it will be in your favour. This will not only give you the necessary motivation to work harder, but it will also prepare you for one of the biggest changes in your life. So, prepare yourself now to start a prosperous life with your child. 10. Be prepared for unexpected events Warren Buffett, an American billionaire, says that people can sit in the shade today because someone planted a tree years ago. You should think about protecting your family and getting health insurance, specific disease insurance, disability insurance, and accident insurance. In addition, ensure all your current loans and major debts. By insuring your loans, you ensure your family’s financial security against unforeseen events. You should also Gather all your financial information together and share this information with your family. 11. Grow We will all retire one day, so if you want to have a comfortable retirement, you should try now that you are in your thirties. Remember that progress is one of the most important factors that you should pay close attention to. For example, if you are currently saving 20,000 Tomans per month, you should increase this amount to 40,000 Tomans in another year. Therefore, growing is one of the priorities in your life. 12. Have big dreams and take steps to achieve them Have big dreams and take the necessary steps to make them a reality. Dream of owning a car, a house or starting a new business. Today is the ideal time to take control of your finances and take steps towards achieving your goals. People follow a personalized diet and exercise regimen to maintain their health. Similarly, it is by following a disciplined and appropriate personal financial plan that your current financial health is maintained and it will help you achieve your goals. 14. Invest your money in different sectors In the current situation where the world economy is unstable, people who have invested in gold have been safe from this instability. If you have not invested in various investments so far, now is the time to diversify your investments and not just invest in a specific asset. Investing solely in the stock market will not provide you with the necessary profits to achieve all your financial goals. So, make a list of your