From Zero to Hero: How to Achieve Financial Independence in Your 30s



You're not excessively youthful to be monetarily autonomous. The age at which you can retire depends on your income level and how long you plan to work, but there are no exceptions. If you're ready to make a financial transition into adulthood and retirement, here are five things every 30-year-old should know:

Saving money:

  • Save money. If you can, save every dollar that comes your way and put it into a savings account. This will give you more wiggle room when it comes to making purchases or saving for something big, like a house or car.
  • Save money for a rainy day. It's easy to get caught up in the moment when buying things—especially if they are new or exciting—but be sure not to spend all of your cash on those items because what happens if there's an unexpected expense? What occurs in the event that something turns out badly with your vehicle? Or if someone in your family gets sick, who knows how much medical care could cost over time?


Investing is a great way to build your wealth and make money. It’s also the best way to grow your money, which will help you achieve financial independence in your 30s.

Investing is one of the most effective ways to make money and grow your wealth, but it can be difficult if you don’t know how or where to start investing.

Starting a side hustle

If you’re looking to make money on the side, there are several ways to do it.

  • Start a business: If you have an idea that fits your skill set and market, go for it! You could even build a website or blog with content that's related to your main job—if this sounds like something that would help give you some extra cash in your pocket and allow for more time off from work (which is always good), then go for it!
  • Teach online courses: This can be great if all around the world people want access to those skills—and even better if those skills are ones where people really need them, such as speaking English fluently or starting a successful photography business. A lot of people learn new languages through these kinds of activities; if yours happens to be English instead of Spanish or Mandarin Chinese...well then now we're talking about something else entirely!

Credit card debt

Credit card debt is not a good thing. It's not a good way to build a credit history, and it will hurt your score.

Credit cards are convenient ways to charge stuff and have cash at hand, but they come with risks—like high-interest rates and fees that can make paying off the balance more expensive than just using cash. If you're thinking about getting one in order to improve your financial situation, consider these tips:

You're not too young to be financially independent.

You may be too young to retire, but you can still save money. Just because you're in your 30s doesn't mean it's time for a nap or an ice cream cone. If anything, the more years under your belt, the better equipped you'll be to make smart financial decisions as a result of having learned from mistakes made earlier on in life—a lesson that will serve as motivation for future success.

In addition to saving and investing wisely, here are some ways that people in their 30s have been able to achieve financial independence:


We hope that this post has helped you understand the importance of financial independence and the power it can have on your life. We know that many people in their 20s are still trying to figure out how much they should be saving for retirement or what kind of investment vehicles would be best for them. But we also recognize that there’s more than one way to get there—so don’t settle for anything less than what works best for your situation!