“Most 22 year olds, or even 25 year olds don’t have these as priorities.”. If you start working before that age, you probably did not pursue post-secondary education and will most likely not making a lot of money and be able to save 25 g in 5 years. Agree with Jessica (me = not a troll because it’s my first time ever on here). People usually graduate from post-secondary education at 24-25 and the student loan is usually for 9 years…do the math. But is it worth it to be financially independent and prepared for my future? I agree with Jessica, also. Thank you for sharing this list. You lack compassion & a grasp on reality. When you meet your goal, make another. Great list, sometimes people advocate for the RRSP not knowing that it may be better to either max out their TFSA or pay down their mortgage (and this assumes of course no consumer debt). And today I don’t have investments, but I will by the end of the month (exciting/nerve-wracking). Thats the impression i got from your response. But what are your long-term financial goals? If you’re a med student, you’re IN SCHOOL by the time you’re 30. You should always check your credit score every year to make sure your identity has not been stolen. Need some motivation? Check on all of those! Obviously every circumstance is different. . As for getting my MBA, tuition is $21,000 per year for a total cost with books of about $45,000. Save my name, email, and website in this browser for the next time I comment. If it continues, I will ban your IP. You might balk at my “small” debt but I paid it off in less than 2 years — that makes for average payments of $1,000 per month. And I know many others in this situation. One of my favorite ways to earn extra income without extra effort? Feeling stuck? When you're in your 20s, you go through a lot of changes. These are all very nice ideal goals to aim for but few are realistic in this day and age. By starting to save for retirement at 25, I have money at my disposal should I need to pay my MBA tuition or to put a down-payment on my first home. Then stop freaking out. A lot of things are duable on this list..probably all of them, but please be realistic. By the time I’m old social security will be gone and my job doesn’t offer any sort of pension, so I’m going to be working until I die anyway. How is it possible to put aside money for saving, investments or charity when my entire paycheck each month goes toward student loan debt, rent, food, and utilities? 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. I graduated from my Bachelors degree owing over $20,000 in student loans, which I paid off in less than 2 years. Or maybe you want to start a large family. Personally, as someone who makes a good salary (not banker good by any means) in the most expensive city in Canada I rent because that is the more responsible decision when to own a home in my city the average cost is more than 1mil+. I got out of grad school in Dec 2012 and now have $30K in student loans. I certainly don’t have $25K at this time, but I’m working on it. I have some ideas for what I want, but I’m fairly aggressive with my finances and not sure many people will agree. I had over $25000 at 25 but an unstable job market and bad luck with my career has made that very tricky. The author lives in Alberta, Canada. Good luck all. Totally lost time. She teaches writing as an online instructor with Brigham Young University-Idaho. I am amazed at your avowed lack of compassion and the high-handed way in which you spout “it’s my opinion”. It cost me over $70,000 in tuition and six years out of the workforce. I would like to point out that education on finance is a concept lost on many. at age 24 (I had taken a few years between high school and university because I didn’t think I wanted a college degree; I worked for minimum wage and saved nothing. Congrats on the upcoming wedding, and again thank you for your perspective. Might as well have a mutual fund or some ETFs, that takes care of #5 & #6 together! Whether it’s something simple like mutual funds or more advanced like common stocks, by age 30 you have to have your money diversified in something beyond a basic savings account. So the numbers are drastically off, meaning it is a lot less realistic to even think of the goals you pointed out. The military was fronting the bill for half the tuition, so a bit more pain on my end means alot more credentials when I decide to get out. It’s not easy, but it is doable. Investing involves risk, including the possible loss of principal. #24, for sure, often overlooked. Which ones are you still working on? 6. Check your credit score and get your credit report for free. For me my retirement account started with $50. Not everyone is going to hit 30/30 on their 30th, but after you address whatever situation you’re in, start looking for those little opportunities and start chalking up a few more in the win column, success begets success, so even saving a tiny bit can have a huge impact later on down the road. The MAJORITY is nowhere near as financially secure as you’d like to believe. I was a foster kid, then a ward of the state, homeless, and even an inmate…all before 20 years old. I spent a few years paying them back rather than paying off my mortgage but I know I had an opportunity others didn’t have. I advise you create & release another list, & perhaps an apology to those of us who weren’t given a thing, didn’t invent some new gadget, aren’t entrepreneurs. Focus On Paying Off All Of Your Debt. I’m only halfway through my twenties though, so I still have time! At the university I attended, you would have paid approximately $6,000 per year for your undergraduate degree for a total of $24,000. If you can’t get all your debts paid off by age 30, fine, do it by age 31 or 32 or 40. The fact that you’re reading a personal finance blog already puts you ahead of the game . The most important thing is to be in charge of your finances and have your money working for you. A profitable side income? Accessed Nov. 27, 2020. Maybe the author of this article could take a little more care with her words. Had a few BHAGs along the way like saving to take two years off for an MBA (graduated with no student debt), vacations to Galapagos, Iceland, and South Africa. The contents of your bank account don’t define you, and they don’t impact the people around you. As in, it is MY OPINION. I am strongly, strongly, strongly opposed to 20-somethings purchasing a home for the sentimental idea that it’s a milestone of adulthood or necessary to showcase financial success. I cannot believe the amount of negativity in the comments, though so many people have already spoken up for you. Great to see another Calgarian blogger . Don’t let these things go to waste! Not exactly professional. Mortgage? I’m aware this is neither a personalized list nor a list that can apply to the crowd in this economy. One disaster would wipe out those savings. There is no bank that will allow you to invest $100,000 in the stock market for a $20,000 down payment, so why compare the two? You need to treat your readers with more respect. I have 60+ credits towards my bachelors that I accumulated in about 1 1/2 years. You may move onto a second job and work your way up the career ladder. I also graduated owing over $20,000 in student loans which I paid off in full in less than 2 years. I made a lot of money mistakes while in my 20s, but, for the most part, those are rectified. $25K is a big number but once you get going I find retirement accounts grow really fast. As an intern I definitely don’t enjoy any benefits or retirement matching, but I will continue to put a small amount towards my retirement accounts myself. I already own a used car, so I guess we can tick that one of the list, and my wedding is in the Fall and is going to cost barely anything so that’s good too, but you’re telling me I should also have $100K saved for retirement, as well as put a six-figure downpayment on a house, and had a baby? Make a savings plan just for you? But what’s the point? My parents have never and likely will never contribute a cent towards my education. So that’s what you do as a med student. I’m pretty sure she’s a troll. Set Long-Term Financial Goals. Money After Graduation, MAG, and coin logo are service marks of Money After Graduation Inc. Other marks contained on this website are the property of their respective owners. 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. I’m almost 20 and have almost $2000 saved up for retirement. If you can achieve two or more goals per decade, then you will likely be able to retire earlier than age 60. Most of them are just hoping to find a job that doesn’t suck, move out of mom & dad’s house, and party as much as possible. I certainly can’t change the fact that I have MS, and I don’t think that the answer is: “you shouldn’t have gone to grad school.” I think that there are legitimate reasons why people are behind, and perhaps you should use a bit of compassion and some _good_ advice, instead of unreasonable expectations and guilt tripping. Suburbia is the worst, and as I have explained before, moving there would necessitate purchasing a second car, which my fiance and I don’t want to do. Grad school was worth it, but all that extra education set me back 5+ years on this list. To become a doctor takes 4 years of undergrad, plus 4 years of medical school, and then residency. It could be worse. Jessica needs to get a grip. Then I have a car payment, mortgage payment (because where I live, rent is roughly the same or more per month than a mortgage), gas, electric, cell phone, internet, gas for car, water, trash, food, health insurance, car insurance, etc. As for disability, since that can be so varied and be temporary or permanent, I’m not sure how you want me to address it. Yes, there are a few that can’t achieve this due to medical issues, etc, but most people could achieve this if they work at it. I once thought I knew what I wanted to do, but the longer I work in the field the more I realize that I may want to take a different direction eventually. What type of financial milestone is that? this is sound so much like a entire population of zombies. I’ve had times when I was down and out and felt like nothing could go right, and it was friends and family that saw me through, never would have made it on my own. Below are 30 financial milestones you should strive to achieve by age 30. Fidelity. Move to a small coastal fishing village where you would sleep late, fish a little, play with your kids, take siestas with your wife, stroll to the village in the evenings where you could sip wine and play your guitar with your amigos.”, But I digress… I will agree with a portion of your list; overdrafts, credit score, property insured, etc… But your article is directed at such a finite demographic; 4 year college grad… What about the high school graduates that are still working their way up? Still don’t believe it’s possible? The New Tangerine Global ETF Portfolios Revie…, What Your Star Sign Says About How You Manage…, PayBright Review: Buy Everything Now for 0%, Check your credit score and get your credit report for free, contributing to your RRSP and claiming all other available deductions, Wealthsimple Review: hassle-free investing, Passiv Review: An Automated Solution for the DIY Investor, Rakuten Review: I Earned Over $1,500 in Free Money Shopping Online, https://moneyaftergraduation.com/2014/05/08/stop-making-excuses-for-why-you-cant-save-25000/, https://moneyaftergraduation.com/2013/11/06/the-logistics-of-actually-increasing-your-net-worth-by-25000-per-year-on-a-50000-annual-salary/. I was curious to read that article, but so disappointed. We normally think of having an emergency fund as being a short-term financial goal. Save $20,000. Bridget, I have you (and a few other lovely ladies in the PF world who blog) to thank for the support, guidance and laughs along the way. I outline how to save $25,000 for retirement by age 30 here https://moneyaftergraduation.com/2014/05/08/stop-making-excuses-for-why-you-cant-save-25000/, So you’re paying for your MBA…how? This is the single biggest purchase you’ll ever make, don’t wait until you have kids tying up all your money to try and save for a down payment! The article is called ‘‘30 Financial Milestones You Need To Hit By Age 30’’. I’m embarrassed about how long I went without tenant insurance but it was mandatory to get before signing my lease at my current apartment!! Difficult for some, I suppose, but easy to save for other things, like retirement, while reaping the benefits of having a full-time job (you know, matching retirement, decent insurance, etc.). Set up auto-pay from your chequing account to ensure you never miss a due date! You need to accept that it can take about $250k to raise a child. Whether you are about to turn 30, or whether you are heading into your mid-30s, now is a good time to review the following: 30 financial rules for your 30s 1. It’s just a complete falsehood. Conquer these finance financial goals in your 30s and you will be ahead of the game before 40. If you are single, you can move to different cities to pursue your dream job, and you can also really focus on establishing a good reputation. My gut reaction was to feel like crap. I have a full and busy life.” The American scoffed, “I am a Harvard MBA and could help you. By the way, just came across this site. The first step thing that you need to do is find a steady income job where you can work easily for years without any worries. I am 29 years of age now and I work in the insurance industry! You would need to leave this small coastal fishing village and move to Mexico City, then LA and eventually New York City, where you will run your expanding enterprise.”, The Mexican fisherman asked, “But, how long will this all take?”, To which the American replied, “15 – 20 years.”, The American laughed and said, “That’s the best part. At the end of this year I turn 30. I would love to see them though, eventually! I earned a small income from this website and other freelance writing projects. Wake up buttercup we all start working around 24-25 years old and there is no way to save up $25 000 in 5 years unless you live with your parents, do not have car payments or anything. Like ever? Even if you don’t start saving until age 25, you’ll only need to put $5,000/yr away to meet this goal. If you have the foundation of good financial habits set, it will be easier to keep moving forward as life gets more complicated with kids, relationships, or career moves. 1. Do you think you’ll always always track your spending? Weekends consisted of sleeping in until 8 or so, before going back to work until 5 or 6 (both Saturday and Sunday). I understand what you’re saying about the list. Buying a car or having a family is not an excuse not get your finances in order so not clear what you’re getting at. It’s really sad that you can’t comprehend that this is not feasible to everyone (most people in fact) and most importantly, that your attitude is indescribable. I don’t understand the push-back on #5 – many people have said “half” or “full” salary saved by 30, so you’re being conservative here. That’s not easy no matter how you slice it. #2, ok, as long as there is no mortgage or car payment in there. Glad thats working out for you. I got almost everything I wanted but not happines. I would prefer to research stocks than paint a picture, and there’s nothing wrong with this. And you can hold investments in your RRSP! In this video, we will discuss 9 financial goals to reach before you turn 30 years old. For example, my own personal goal is to double my income in my 30’s. Oh dear! Following point #21, to their credit millennials dream big — sometimes a little TOO big! That means my son & I have $75 for food, gas in my car, toiletries, emergencies, etc. So when you say that there’s “no excuse to not save $25,000 [by age 30]” what do you mean by that? And correct me if im wrong, but Calgary has one of THE most healthy economies in North America. Money After Graduation Inc is a financial literacy website dedicated to help you pay off debt, save money, increase your income, and invest in the stock market. No? Check out my favorite spending & saving app, KOHO. And from a mechanical standpoint, that’s true. Furthermore, the points aren’t personally offensive in anyway. I’m not trolling, I enjoy reading your blog, but as someone who has tried to achieve a lot of these milestones and have failed because of disability/health issues this really struck a nerve with me. Your article is thought provoking so much it literally took me 30 mins to read most of the comments here and your replies to them. I absolutely respect your response and I have felt the exact same way. It’s so easy to complain. For example, say your goal is to pay off a colossal credit card bill. I became financially indpendent of my parents when I was 17. Nice work! So I guess I’m doing ok?!?! According to many generic personal finance milestone lists; he is expected to not only have a 6 months worth of salary saved up as a contingency (RM21,000) – he is also supposed to own a home requiring approximately RM35,000 in downpayment (10% of RM350,000 purchase price) as well by 30. After studying full-time September through April, I’m only just starting work now. I’ve always worked hard and been employed and (unlike many people), never had credit card debt, and haven’t even encountered adverse circumstances. Don’t get mad…get busy. Although you may not be able to pay off your entire student loan balance by the time you are 30, you should take the steps needed to work toward that. I certainly wish I could say that I was anywhere near this list. I took a year off to have a baby at 29, and that set my debt back enough I didn’t have it paid off till 33. My Ph.D. came with a $22,000/year stipend, which is approximately the amount I needed to pay all my bills (not to mention buy food). Have $25 000+ saved for retirement? Congrats on your awesome progress. While those who were more well off at the beginning of the financial meltdown still remain unaffected by the downturn and pat themselves on the back for having reached all 30 by 30, the rest of us will try to claw our way out of the continuing mess the Unaffected has created. 23. But my husband I did buy a house, maybe that counts as my BHAG. Let me know how many you have personally … It was impossible to have another job while also pursuing a Ph.D.; in fact, it was strictly forbidden because that indicated you weren’t “dedicated” enough. For all those that claim this is offensive or impossible to do due to economic/family/disadvantages etc… I want to say your limiting yourself by your lack of faith. The average price of a detached home in my city is nearly $600,000. I am now seeing myself leaning towards the mindset to achieve these goals but I am a single mother of 2 who didn’t complete my undergrad degree and has a mountain of student loan debt…. Same goes with other high-interest debts , such as personal loans and high-interest student loans. A family doctor in Alberta makes about $150,000 per year so if at 28 you’re bringing in that salary you can definitely save and tackle the rest of your debt by age 30. And the fact that you threatened to ban her makes the “dozens” of positive comments less impressive. I am 24, and will be debt free (graduated from my undergrad with $47 000 in debt) by the end of 2016 (the BHAG is before my birthday in August). These are super difficult for a person like me who has med school loans. The Mexican said he had enough to support his family’s immediate needs. That stipend never increased for the 5+ years of grad school because at that same time, Universities were also being squeezed by a combination of the economic downturn, increasing tuition, and lagging support of education by government. Most people would love to. This might be a challenge depending on how much debt you took on for school or how foolish you were in your early 20’s, but ultimately your net worth should be growing at a quick clip as you enter your 30’s. If you’re carrying $100k+ of school debt after graduating in your 30s, good luck as you will need a lot of it. So over measuring your finances against that of your friends. It’s also an opinion that I think most people would agree with. You should also pay off any credit card debt you have. I too was a little shocked at the holier than thou tone of this piece. No? Would love to see a similar post for 40. Most people can, but if you can’t then the only person it affects is YOU. You are truly PF savvy, Very well thought out list. I don’t really think that thinking 15 years in the future is unreasonable. I am 31, almost 32, and I have virtually the exact opposite situation that this list recommends. I gave up my side hustle (part time waitress) in December because I could afford not to work 55 hours a week, and to be honest, I wouldn’t go back. Graduated at 21 and paid off student debt within 2 years. It’s not going to be enough to make any difference. If you’re in that situation, it’s ok! Maybe things are better in Canada but in the USA the economy is very challenging and not a lot of 30 year olds can achieve all those things. Not only that but buy your first (starter home) with some rental income, I bought a nice bungalow with a 2 bedroom basement apartment that pays for 90 % of my mortgage, leaving me and my wife money for the things we want to do (travel, golf, ski, eat out etc…). Before you hit the big three-oh (30 for those keeping score), there’s a few things you should start seriously thinking about in order to get your financial house in order. 15) Set Your Long-Term Goals There are so many financial goals that we want to achieve now. I started college right before my 24th birthday after I was honorably discharged. My boyfriend shared this link to me because he thinks I should need to follow those rules. Currently residing in Calgary, Alberta, Canada, but hooked on travelling. Part of being a responsible adult is protecting yourself, and that includes small things like tenant insurance for your apartment right up to disability insurance. Depending on your life choices, you may purchase your first home in your 20s, or you may wait until you are in your 30s. some of them are quick fixes though! It’s a tedious chore but the only way you’re ever going to manage your money is if you know where it’s going. It’s cool to be financially savvy, but don’t let it take over your life. Oh, and I’m 24/30. Instead of addressing ANY of Jessica’s points (disabled people etc), whether to defend yourself reasonably or to acknowledge the weak parts of your port, you went straight to say she’s a troll. It’s an internship so I’m only on for 3 months but hopefully Calgary’s robust economy does pay off for me at graduation in April 2015, but so far I haven’t capitalized on it. Consumer Financial Protection Bureau. My costs are now permanently fixed at a very reasonable level. Lol. 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