What to Do With Your Money in Your 20s, 30s, and 40s — A Decade-by-Decade Guide
Hello, I'm Jenie! Good financial advice for a 25-year-old is genuinely different from good financial advice for a 42-year-old. The priorities shift, the tools change, and the stakes get different — not necessarily higher, just different. If you're in your 20s, time is your biggest asset and you're probably not using it fully. If you're in your 30s, you're in what financial planners call the "messy middle" — income rising but so are responsibilities. If you're in your 40s, the window for compound interest is still open but narrowing. This guide breaks down what actually matters at each stage, without the vague advice that applies to everyone and therefore helps no one. Table of Contents Why Money Priorities Change by Decade Your 20s : Building the Foundation The 5 Non-Negotiables in Your 20s Your 30s : The Messy Middle The 5 Priorities in Your 30s Your 40s : Protecting and Accelerating The 5 Priorities in Your 40s The Savings Benchmarks Tha...