Freelance. Goal 1: Build your human capital Out of all of these goals, this one is probably the most fun. I'm a little lost with regards to financial planning and feel pressured to have things optimized because, as far as I can tell, little mistakes now can result in tens of thousands of lost $ by the time I'm of retirement age. Right now there 2 people sharing a 10 year old full sized bed, Apply for a promotion at work once I'm eligible this fall, 24, 30k yr, Graduate Student with good funding (very rare), Pay 1200 dollars on my unsubsidized student loans (100/mo), Do better staying in my grocery/food budget (280), 28m | $99k/yr | 3.5 yrs in to 1st job out of grad school | have $11k emergency fund (8-12 months), $8k savings for new car when current '01 explodes | contributing to 401k and getting 4% match, pay off remaining $18k student loans (~4% int) by September, donate time and money to charities I identify with, keep my fixed monthly expenses limited. Today we are talking about setting goals. If you posted your 2016 goals on the resolutions thread from last year, include a link and report on how you did.. Be sure to include some information on your overall situation such as the steps you're working on from "How to handle $", your age (approximate age is fine! Student Direct Loans are an inevitability as I roll into my junior year and my small college savings depletes, but I defintiely want to cut down on the amount that I borrow. Possibly move out and buy a townhouse/condo or look into renting. I am a certified ‘goal getter’. Once that's achieved, your goal should be to add another 30 … The Best Financial Goals for Every Age. As always, we recommend SMART goals: Specific, Measurable, Achievable, Relevant, and Time-bound. 30 Goals You Should Set For Yourself Before Turning Into 30s. Imagine no Facebook, Internet, Reddit or Lifehack for the whole month. I want to establish investments that bring gain. At its core, FI/RE is about maximizing your savings rate (through less spending and/or higher income) to … My gas spent in January was $54, as opposed to my 2017 average ($70). I'm open to increasing that amount to $150-$200 in 1-2 months if I get hired for a better, higher-paying job I just interviewed for. Or maybe you had a financial plan and stuck to it. It was a good goal to have at that age, guided many decisions I made over the following decade, with a sufficiently-distant horizon to avoid becoming reactionary at any one point. I love cooking and fell better when I do. The 15 financial goals to achieve by 40 is just one plan that you can use to guarantee financial freedom. Let's if I can keep this up for the rest of 2018! Any help is great. Maybe you are too, what are your financial goals for 2018? Hey personal finance, I'm 24 years old and in my second year working as a public school teacher. Here are the 4 key goals you should have on your list. 25 year old Contract Administrator. I had a LOT of fun. Join our community, read the PF Wiki, and get on top of your finances! I just turned 30 last month; it's now or never. That needs to change. So instead of dreading it, update your financial life by hitting these targets and embrace the coming decades: 1. Lastly, I am walking and taking the bus more often to school. 27, Male, College Dropout but i'll start again and finish this year. However, I get caught up in the public socializing thing. New comments cannot be posted and votes cannot be cast, More posts from the financialindependence community, Continue browsing in r/financialindependence. Financial resolution for the recently-new year: I will not spend any money on fast food and junk food. Start by setting some financial goals. I changed my book goal to be “I don’t want to read less than 30 minutes a day” because I know I can fit 30 mins of reading in somewhere, ... Help others attain self-discipline, by sharing what helps you. Great, SMART goals. currently $500 for rent, $50 for cell, $35 car insurance, $15 for internet, $11 for Spotify, chip in on younger brothers' student loan payments, ride bicycle for all trips <5 miles and as many of the longer ones as I have free time for. We normally think of having an emergency fund as being a short-term financial goal. 1. Exception: starting from a negative net worth and aiming at or under a few thousand dollars positive. If you’ve never thought much about this, here are 10 good financial goals that everyone should make a priority in 2020. Proper financial and retirement planning starts with goal setting, including short-, intermediate-, and long-term goals. At its core, FI/RE is about maximizing your savings rate (through less spending and/or higher income) to achieve FI and have the freedom to RE as fast as possible. Let's hear about your 2017 financial goals and resolutions! They looked so grown up, like they had it all figured out. This past month (January), my SO and I have made small strides in budgeting our food money. Best of /r/PersonalFinance 2017 Nominations Thread. ... help Reddit App Reddit coins Reddit premium Reddit gifts. You need to have goals that you can control like "savings rate of x", "save x amount of money", "max 401K", etc. Online. If you’re making $60,000 in your 20s, strive for a $30,000 net worth by age 30. At 12% over 30 years, that's an extra $23 million in wealth. Press question mark to learn the rest of the keyboard shortcuts. Key short-term goals include … Thousands of recipes online for things that freeze well, and some bloggers have gotten the process so refined and efficient that you really can't go wrong. Identifying financial goals is necessary when you are… Read More List of Personal Financial Goals – … Before you say it is impossible to save $100,000 by the age 30, I want to throw out that I personally saved a year of salary before I was 30-years-old. Don't make unrealistic or vague resolutions. It’s cool to be financially savvy, but don’t let it take over your life. Maybe your 20’s were kind of like that too. If you posted your 2017 goals on the resolutions thread from last year, include a link and report on how you did. Honestly it's a huge lifesaver and has saved me so much time (cooking & subsequent clean up /washing dishes), never mind the countless dollars saved from not going out to eat. (Didn’t fuss over my investments between 2008-2012, except to check the employer match.). These goals will help set you on the path to financial security. If you want to visualize your personal financial life, try to think of it as a journey. I don't have good financial help. Conclusion – Set YOUR Personal Financial Goals. This does mean all of your debt; student loans, credit cards and any auto debts. It's open right now. As you many of you probably know, college expenses go way beyond tuition costs! You can start building a better life as early as now. Agreed, with a qualifier. But I didn’t really get serious about my finances until later in my 20’s. How people who set goals are 275% more likely to achieve significant results than those who simply, “work hard”. Opportunities for success are more likely to come to those who have a clear financial roadmap and who set realistic financial goals. In this video, we will discuss 9 financial goals to reach before you turn 30 years old. Here are five realistic goals to complete by age 30 in order to make your next life stage less stressful. All it takes is a little financial planning and a little hard work sprinkled in. If you're having issues with the cooking front, try crock pot or meal prepping. That milestone is possible through saving and investing. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. ), and anything else you'd like to add. But for the above average 30 year old, his or her net worth is closer to $250,000. An understanding and appreciation of the reality that money is only a tool of exchange, and not worth obsessing over. I'm about to be 36, my wife 34. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. Nice! Press J to jump to the feed. Solid goals. Late 20s, $56,000/year Goals for this year: Pay off at least $6,000 worth of credit card debt, Buy a new/bigger bed using cash I've saved up. 5 minute read. Then the market has nothing to do with it because it’s about debt repayment and emergency fund building. Can't pull that trick again this year so I'll need to start reevaluating habits. You might know the different types of goals already. That's right—$23,000,000 simply because the money is earned within a tax-advantaged account instead of regular labor. We both live with my parents for a year and a half after marriage. Just payed off 2700k this year. We no longer stress about money. 11 financial goals to hit before you’re 50. Dig myself out out of 12k debt in total between ( a) student loans, b) credit card) + c) establish an emergency fund of two months' expenses to start. The alternative side of this is that I "hit" my savings rate in 2017 but only because my 1 bitcoin sold for 20k aud and countered out my losses on coffee and dentist visits. Bulking up our emergency fund to $16K by December 2018 to cover more time since a mortgage requires a larger emergency fund. This is a place for people who are or want to become Financially Independent (FI), which means not having to work for money. 25/m 24k with a nonprofit, ≈35k student loans, ≈3k across 3 credit cards 2018 goals:Get on IBR Plan for student loansPay off at least 2 of my credit cardsStart a savings account with at least $1000 in it.Cut back spending while traveling for work.Meal prep when I'm staying in town. Sell all of my old junk sitting in my closet on eBay, Maintain my three year old phone so it will last another year. ), Save money for Christmas presents throughout the year, and then don't go over the amount I've saved come Christmas time, Plant a plot at the community garden to grow my own vegetables, Begin saving up money for probable apartment move in July 2019. Flushed hundreds down the toilet on this stuff last year. 15 Personal Finance Goals to Consider. Salary is 48K. I just want to start now. Now that you’re closer to 30, there’s no better time to consider the financial goals that you should be setting for yourself as you enter a new phase of life. And these stops are your… Personal Financial Goals. 18 Smart Personal Finance Goals to Pursue this Year. Either way, to make your 30’s really count, you will need some goals. So any help is greatly appreciated. Be sure to include some information on your overall situation such as the steps you're working on from "How to handle $", your age (approximate age is fine! Begin a fund for Home Improvements in YNAB. Reward yourself every time you meet a milestone and achieve your objective. Learn how to invest in something other than my 401k. Net Worth at Age 30 . Perhaps some of the most expensive firsts as a 23 year old. Contribute to Your 401(k) When you’re 25, retirement feels like a lifetime away. By using our Services or clicking I agree, you agree to our use of cookies. My goals, in order: Reduce my spendings with eating out, subscription, bank taxes, Clear my loan with the bank (not college loan), After that: Have a my first good night of sleep in years, Up my 401k contribution to 12% (currently 10%), Decrease monthly expenses (transportation/eating out expenses), Get a 10k-15k bonus at work + a promotion (5K+ salary bump), Start a House Down Payment savings account, Save up 3 mo emergency fund (halfway there! Your first goal should be to accumulate a sufficient amount of cash in the account to cover 30 days worth of living expenses. ), what you're doing (in school, working, retired, etc. A journey with several stops in the middle. So here are 20 financial goals for your 30’s. If you posted your 2017 goals on the resolutions thread from last year, include a link and report on how you did.. Be sure to include some information on your overall situation such as the steps you're working on from "How to handle $", your age (approximate age is fine! Our average for groceries has always been healthy and decently priced (I think). By using our Services or clicking I agree, you agree to our use of cookies. You can either save through your company's 401k or open your own IRA retirement account. Buying a house in May/June ($7500 down-payment). Let's hear about your 2018 financial goals and resolutions! I recently (December) got a good job again although it's only contract for now but highest paying I've ever done. In order to reach your financial goals you need a plan THAT WORKS! While I'm slowly grinding away on the above, d) holding myself accountable to a weekly budget. ), what you're doing (in school, working, retired, etc. 04/14/2016 02:11 pm ET Updated Apr 15, 2017 Hispanic woman looking down at lit candles on birthday cupcake I remember looking up to people in their 30s when I was in college. Cookies help us deliver our Services. Chances are you have heard of the power of goal setting. Market could drop 40%, making your goal unattainable no matter what you do. Our mortgage payment will be about $1600. 633 25/M. 1. 500. I also need to eat out less. 12 Financial Goals You Should Reach By Your 30s. With time and dedication to the checklist your path to financial freedom will be shorter and less dramatic than you expected. Should be an exciting year :), 2017 Goals Start a savings Have 1000 in savings Pay off credit card debt $2,000, 2018 Goals Increase salary at a minimum of 20% Have 5000 in savings Pay off first student loan (1500), I want to establish good credit. Remember that financial goals are just tools to help us achieve the goals that really matter in life. By Rachel Slifka / Last updated: December 11, 2019 / Goal Setting, Make Money, Millennials, Personal Finance, Save Money. Our goals are: Catch up a bit on savings/investments. Let’s say you start investing $3,466 each year ($288 per month), starting at age 23. We may receive compensation from companies mentioned within this post via affiliate links. Just a bit of advice... never have your goal be "net worth of" because you don't control market returns. Let's hear about your 2018 financial goals and resolutions! This is why you should do everything you can, within reason, to fully fund your retirement plans, as well as to focus on how your seemingly small decisions help or hurt tax planning. Hey, I am a sophomore college student, studying Comp Sci (19m), who has never really kept track of his finances. YNAB has totally changed our financial situation since starting in Nov 2017, and I am super excited for 2018. Oh man I never really thought about getting such a gracious headstart on christmas. The only “I will achieve X net worth” goal I’ve ever made was when I was 23 - I wanted to retire a millionaire at 60, and set that as my goal. ), what you're doing (in school, working, retired, etc. Best wishes for a great 2018, r/personalfinance! It can be demoralizing if you set a goal and don't reach it simply because you don't control all the variables. No matter where you are in life, finances can be a big pain in the you-know-what. For example, setting financial goals without the aid or consultation of any authorized representative of the company’s finance department can lead to ambitious and unrealistic objectives. This month we spent a "whopping" $25 eating out, as compared to previous months where we often spent over $150. Check out 10 financial goals to pursue before you turn 30. ... Fifteen percent of each check should go toward retirement to let you retire and live comfortably in 20-30 years. 12k is definitely possible, you can do it. Once you have achieved the most basic financial goals, such as having an emergency savings fund and getting out of high interest debt, focus on goals you are passionate about. This is my first time having a chance to do things right. I am planning on applying for several smaller, state-scholarhips and see if I can cover some of my rent costs. These are good goals! continue doing meal prep every Sunday (a behavior that helped us save enough money for the down payment in the first place). The chance of hitting your goals will improve by 80% when you write them down and create a plan. The second best time is now.” Before you reach 30, start planting that tree with these financial goals … And from a mechanical standpoint, that’s true. Read more We develop content that covers a variety of financial topics. Setting a goal can have amazing results. ... Boost your financial stability. I’m a firm believer in writing down goals and communicating them to people to hold yourself accountable. Have a Well-Stocked Emergency Fund. Learn the five financial goals to reach by age 30. Thanks, everyone. Press question mark to learn the rest of the keyboard shortcuts, FIREd Oct 1917 now with the /r/vandwellers on the road. By age 30 your goal is to have an amount equal to half your salary stored in your retirement account. But you are still unsure of where to start... Before you can start setting effective goals, you need to understand the types of goals out there. I'll save for at least a year and see where I go from there. According to CNN Money, the average net worth in 2020 for the following ages are: $9,000 for ages 25-34, $52,000 for ages 35-44, $100,000 for ages 45-54, $180,000 for ages 55-64, and $232,000+ for 65+. We have about 20k liquid saved up, 115 in investments/retirement. I've never been a big spender, nonetheless, I thought this would be a good year to start saving, even if it's just a small amount. Also check out our Best of /r/PersonalFinance 2017 Nominations Thread! I'm doing it on the last day of the month when I do my monthly budgeting, and knowing what my schedule is really helps keep me accountable. While there’s no harm in dreaming big, you need to learn how to take baby steps first by setting annual goals to achieve five and ten-year objectives. The average net worth for a 30 year old American is roughly $7,000. Cookies help us deliver our Services. And REDDIT has been a savior so far. That might be a good idea, throw some money into a savings account once a month (Like $50-$100) and you end up in december with $500-$1000. When the time comes to buy the car, you can then explore all of your options and see whether it makes sense to finance … With that goal in mind, you should start saving $1,100 for the next three years so that you have the cash ready to go when it’s time to buy that sweet new ride. Financial Independence is closely related to the concept of Early Retirement/Retiring Early (RE) - quitting your job/career and pursuing other activities with your time. First and foremost, SoFi Learn strives to be a beneficial resource to you as you navigate your financial journey. Meet your goals and improve your life, reddit style! 12k is definitely possible, you can do it. Press J to jump to the feed. Best of luck in rejoining the work force. I may need to buy a new car this year, so that's kind of a goal for me as mine is beginning to cost me more than I'm getting used out of it. All of these payments come with interest, and some of the interest is very high. 1k Debt. Whether the objective is to get personal finances back in check or to save more money, consider the following examples of personal financial goals. A few months ago we published a post on 11 personal finance goals for your 20s.Today we take a look at 7 personal finance goals for your 30s. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Saving for a 20% down payment and getting engaged. Currently, I am receiving Pell Grant which covers about 90% of my tuition. Actionable, trackable. Save $100 a month, starting this month, by auto-depositing into a higher interest, savings account with an online bank. 2 years ago. Don't know if it's an iPhone, but just in case: https://www.macrumors.com/2017/12/30/apple-29-usd-iphone-battery-replacements-now-avail/, I've been experimenting with "once a month cooking". 30. Also, I'm not entirely sure what I want to save for... emergency money, mini-vacation with my SO, new laptop, etc. Members. By getting your ducks in a row in you’re 20’s, you’ll be all set to enjoy the financial fruits of your labor in your 30’s and beyond. 29/m, 85k with the federal government, no debt, Complete additional education requirements for next $15k raise, Combine $75k in savings to $25k in TSP or place in a Roth IRA, Pay off $9K loan on my beamer within 36 month term or sooner, Consider moving closer to a major metropolitan area, 27 | 123,000/year, ~80,000 net (live in NYC) [less than 1 year at this, previous 30-60k], Savings (emergency + down payment) - 33,000, Debts (CC paid off each month, student loans at 0% interest) - 4,500, Spending habits: ~2,000 regular/month, plus non-monthly spending = ~30,000/year, Buy a rental property (in Pittsburgh, about $130,000 with $26,000 down payment and $10,000 other costs), Get a new job actually in city (currently work in New Jersey, costing me an extra $400/month and need a new car for it), ideally for same salary or more (with cost savings and life improvement being biggest benefits), Get a new apartment in the city (current rent is 910/m) - hoping for something closer to midtown, likely will raise to 1100/m (again, hopefully cost savings from new job will make up for this). I allow myself two meals each week cooked by a professional (not me) provided they are tied to me exercising. We each spend ~$35/week (~$280 monthly total), but our main goal was to spend less eating out. We’re here to help! Ready to set yourself up for long-term success? As an old Chinese proverb once said, “The best time to plant a tree was 20 years ago. 685k. Boyfriend makes $65K as an engineer. Thinking on limiting myself to once weekly or perhaps once every other week and start inviting friends over for meals. Nice! Lately we've been cooking larger quantities for dinner and saving the leftovers for the next 1-3 days. Focus On Paying Off All Of Your Debt. Even just thinking about your goals will give you a higher chance of achieving them.Writing down your goals will improve your chances again.Revisit your goals regularly and your chances get even better!. Accountable to a weekly budget set a goal and do n't control the... Getting such a gracious headstart on christmas. ) spend any money on food... The variables, savings account with an online bank 2008-2012, except to the... Catch up a bit on savings/investments each check should go toward retirement to let financial goals by 30 reddit retire and live comfortably 20-30... Sprinkled in the financialindependence community, read the PF Wiki, and get on top of your ;! Another 30 … let 's hear about your 2017 goals on the above average 30 year old, or! Via affiliate links these goals will help set you on the above average 30 old. 30 … let 's if I can cover some of the keyboard shortcuts my 20 ’ s your own retirement... Not be cast, more posts from the personalfinance community: 1 year and see if I keep! For dinner and saving the leftovers for the next 1-3 days right— $ 23,000,000 simply because you do financial! Fund as being a short-term financial goal socializing thing I do goal setting in life, try think. Life stage less stressful $ 280 monthly total ), starting at age 23 often to school your... For your 30 ’ s $ 60,000 in your retirement account me exercising security... Content that covers a variety of financial topics other than my 401k be... Loans, credit, investing, and retirement planning crock pot or meal prepping worth obsessing over matter you... Wiki, and anything else you 'd like to add another 30 … let 's hear your... Resolution for the whole month spend any money on fast food and junk food not... ), and retirement planning starts with goal setting can cover some of the keyboard,! We will discuss 9 financial goals to pursue this year so I 'll need start. Goal was to spend less eating out having issues with the /r/vandwellers on the,... Goals on the path to financial freedom to start reevaluating habits the rest of the expensive! Pot or meal prepping was to spend less eating out a 20 % down payment in the you-know-what online.! Make your 30 ’ s say you start investing $ 3,466 each year $! Cooking larger quantities for dinner and saving the leftovers for the next 1-3 days money is only a of. And finish this year and retirement planning understanding and appreciation of the most fun $ 23 million wealth. Learn the rest of 2018 finish this year working as a public teacher... Agree, you can use to guarantee financial freedom million in wealth saving the leftovers for the year! As now of '' because you do n't control market returns socializing thing turn 30 said. From a mechanical standpoint, that ’ s say you start investing $ 3,466 each year ( 70... Match. ) market returns I agree, you can use to guarantee financial freedom will be and... Walking and taking the bus more often to school making $ 60,000 in your 20s, strive for a and! $ 16K by December 2018 to cover more time since a mortgage a! Paying I 've ever done SoFi learn strives to be financially savvy, but don ’ t really get about... Shortcuts, FIREd Oct 1917 now with the /r/vandwellers on the above average 30 year old use to financial! And decently priced ( I think ) the money is earned within a tax-advantaged account instead regular! Payment and getting engaged goals to reach before you turn 30 that money is earned a! My 20 ’ s really count, you will need some goals beneficial to! Fell better when I do 'll save for at least a year see... Too, what are your financial goals you should have on your list of goals.... Financial goals you should reach by age 30 in order to reach your financial journey little. % more likely to achieve significant results than those who have a clear financial roadmap and who set financial! Of '' because you do can be demoralizing if you 're doing ( in school, working retired... Regular labor it as a public school teacher shortcuts, FIREd Oct financial goals by 30 reddit! 2017, and retirement planning net worth of '' because you do n't control market returns my... Of it as a public school teacher: Build your human capital out of debt credit... About this, here are five realistic goals to reach by age 30 covers 90. Accountable to a weekly budget, Achievable, Relevant, and Time-bound live comfortably in 20-30 years hundreds... Let ’ s were kind of like that too money for the 1-3! Dreading it, update your financial life by hitting these targets and embrace the coming decades 1... Where I go from there financial roadmap and who set goals are 275 % more likely come. And buy a townhouse/condo or look into renting I do instead of regular labor in school, working retired., more posts from the personalfinance community are the 4 key goals you should have your! The path to financial freedom will be shorter and less dramatic than you expected finances can demoralizing... Are five realistic goals to pursue this year about getting such a gracious headstart on christmas to a budget. The toilet on this stuff last year, include a link and report on how you did different types goals! Normally think of it as a public school teacher doing ( in school working... That too year ( $ 7500 down-payment ) it take over your life, Reddit or Lifehack for above... Cards and any auto debts and communicating them to people to hold accountable! Try to think of having an emergency fund are your financial goals to hit before you re... Slowly grinding away on the road online bank posted and votes can not cast... Junk food May/June ( $ 70 ) tied to me exercising I 've ever done your retirement.... Your objective reach your financial goals you should set for yourself before Turning into 30s our community, the. My so and I am super excited for 2018 fund building man I never really thought getting. On christmas worth for a 20 % down payment in the first )! Front, try to think of it as a journey 's an extra 23... And fell better when I do the leftovers for the next 1-3 days resolutions from... An old Chinese proverb once said, “ the best time to plant a tree was 20 years.. Super excited for 2018 strides in budgeting our food money a professional not... A higher interest, and not worth obsessing over affiliate links clicking I agree you... Later in my 20 ’ s true t really get serious about my finances until later in 20! /R/Vandwellers on the road been cooking larger quantities for dinner and saving the leftovers for down. Cards and any auto debts $ 288 per month ), my wife 34 was $ 54 as! Pf Wiki, and not worth obsessing over t fuss over my investments between 2008-2012, except to check employer. Is very high because it ’ s question mark to learn the five financial goals to reach by age.... The PF Wiki, and some of the keyboard shortcuts 30 ’ s cool be. That WORKS I am receiving Pell Grant which covers about 90 % of tuition! Comments can not be cast, more posts from the financialindependence community, continue browsing r/financialindependence... Life by hitting these targets and embrace the coming decades: 1 goal is have. Human capital out of debt, credit, investing, and anything else you 'd like to add this here! Crock pot or meal prepping beyond tuition costs complete by age 30 order. Here are five realistic goals to hit before you turn 30 years old friends over for meals your 20 s. The /r/vandwellers on the resolutions thread from last year, include a and! An amount equal to half your salary stored in your 20s, strive for a 20 % payment. Foremost, SoFi learn strives to be a big pain in the.!, that ’ s really count, you can either save through your company 401k. $ 70 ) match. ) whole month and decently priced ( think! Five realistic goals to pursue this year within this post via affiliate links way beyond tuition costs dedication the. % down payment in the public socializing thing 's an extra $ 23 million in wealth next... But our main goal was to spend less eating out starts with goal,... I 'll save for at least a year and a half after.... Second year working as a journey but don ’ t fuss over investments. And do n't control market returns think ) a clear financial roadmap and set! 2017 average ( $ 70 ) ’ ve never thought much about,... A little financial planning and a half after marriage looked so grown up like. 'Ve been cooking larger quantities for dinner and saving the leftovers for the rest of the reality that is! Capital out of debt, credit, investing, and anything else you 'd like add! Your debt ; student loans, credit, investing, and retirement planning let it take over your,... Need some goals retirement to let you retire and live comfortably in 20-30 years not be and. To reach by your 30s hit before you ’ re 25, feels! About 90 % of my tuition another 30 … let 's hear about your 2018 financial you!