Best Financial Advice for Entering Your 30s (Are You Behind?) financial advice

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คำแนะนำทางการเงินที่ดีที่สุดสำหรับการเข้าสู่วัย 30 ของคุณ (คุณอยู่เบื้องหลังหรือไม่) นำการเงินของคุณไปสู่อีกระดับ ➡️ สมัครสมาชิกตอนนี้: ดาวน์โหลดแหล่งข้อมูลทางการเงินฟรีจากการแสดง ➡️ ลงทะเบียนสำหรับหลักสูตรการจัดการทางการเงิน ➡️ ความเชี่ยวชาญของเราอยู่ที่การวางแผนทางการเงินและ การจัดการการลงทุน และเราใช้ประโยชน์จากความรู้ของเราเพื่อประโยชน์ของคุณ เราช่วยให้คุณมุ่งเน้นไปที่สิ่งที่คุณสามารถควบคุมและจัดการสิ่งที่คุณไม่สามารถทำได้ เยี่ยมชมเว็บไซต์ของเราสำหรับข้อมูลเพิ่มเติม ➡️ Facebook: Instagram: Twitter: มาทำให้แน่ใจว่าคุณอยู่บนเส้นทางสู่ความสำเร็จทางการเงิน – จากนั้นช่วยให้คุณอยู่ที่นั่น! Money Guy Show สร้างความได้เปรียบด้านการเงินส่วนบุคคล เราเป็นที่ปรึกษาทางการเงินที่เชื่อว่าใครๆ ก็รวยได้! ขั้นแรก เรียนรู้หลักการทางการเงินที่ชาญฉลาด ต่อไป ใช้หลักการเหล่านั้น! แล้วดูการเงินของคุณเติบโต! เราแทบรอไม่ไหวที่จะได้เห็นคุณบรรลุเป้าหมายและบรรลุอิสรภาพทางการเงิน! รายการใหม่ทุกสัปดาห์บน YouTube และแอปพอดคาสต์ที่คุณชื่นชอบ ขอบคุณที่ร่วมเดินทางไปกับเรา .

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Best Financial Advice for Entering Your 30s (Are You Behind?)

Best Financial Advice for Entering Your 30s (Are You Behind?)

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Best Financial Advice for Entering Your 30s (Are You Behind?)
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ดูวิธีการทำเงินออนไลน์ล่าสุดทั้งหมด: ดูเพิ่มเติมที่นี่
ดูวิธีการทำเงินออนไลน์ล่าสุดทั้งหมด: ดูเพิ่มเติมที่นี่

See also  How One Mom Of Four Is Working To Gain Her Financial Independence | NBC News financial independence

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46 comments

marlen garcia 13/10/2021 - 2:31 AM

Im 30, have 3 kids, don’t have debt other than out home and working hard to get that taken care of. Managing to save but definitely feel like I need to do more than just save. It’s really listening to this.

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Greg Marquardt 13/10/2021 - 2:31 AM

Love the show! It’s been the perfect transition from my much needed Dave Ramsey money makeover during some financial turbulence into something that made more sense for someone that doesn’t struggle with self control and wants to know how to set my future self up for success.

My biggest question / concern is… the “Net Worth By Age” metrics are great… they give a good baseline of how I’m doing and where I need to be HOWEVER when you have a pretty fixed income, have trimmed down your cost of living and are saving/investing 30-35% of your income BUT are still behind the power curve a little… what can you do??

It’s very frustrating knowing your maximizing your savings the best you can but still aren’t meeting the benchmarks using the wealth formula.

Thanks for all the content! Love it!

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Michael Eibey 13/10/2021 - 2:31 AM

31 years old, married with 168k in my 401k, owe 275k on our house.
Wife has 20k in her roth ira.
Currently maxing out my roth 401k, wife is now maxing out her roth ira.
Debating getting out of the fsa at work and move towards an hsa.

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Eric Munroe 13/10/2021 - 2:31 AM

Fairly new to financial advice YouTube channels… But these guys said to stop comparing yourself to others in an earlier video, now literally EVERY video is clickbait (are you behind?@?@) where should you be by age whatever. Real annoying.

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anthony b 13/10/2021 - 2:31 AM

Preston takes creatine powder while researching index funds.

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Raul Abarca 13/10/2021 - 2:31 AM

I'm 29 turning 30 in a couple months, and I am completely lost. I wasted my 20's by not saving at all. I don't know where to start. I didn't grow up with much so I was never taught how to manage personal finances and whatnot. It sucks. I feel like I'm so far behind. There's so many different people preaching so many different things, I'm confused and have no idea where to start.

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snydyspam 671 13/10/2021 - 2:31 AM

Hey, I'm not the only one who did that chemical burn! Great minds have similar circumstances!!!!

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Drew C 13/10/2021 - 2:31 AM

Money Guys, I really feel like you side stepped the child care question at the beginning of your discussion. Acknowledge date night is important, and that’s an easy question to answer. Feel like the tougher one to talk though is how much child care costs for working families. Most often more than the mortgage on a home (my case actually). How do you realistically save for the future or think about your budget. Increasing the income statement that much is asking a lot

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Tyler Wise 13/10/2021 - 2:31 AM

Not 30 yet but figured since I would be one day might as well try to meet these “requirements” early.

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Stephen Smith 13/10/2021 - 2:31 AM

I burned my eye 25 years ago in the exact same way! I can't believe this is still happening. That bottle should not be the same size and shape as saline solution! And before someone points out the visual differences, keep in mind that we cannot see without our contacts.

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Niv Ronnoc 13/10/2021 - 2:31 AM

So, why was the formula at 30 not just /10 and the one at 39 not just age*income? Lol

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ConstructoJay 13/10/2021 - 2:31 AM

It took me until 34 to learn how to save and invest. I'm way behind, but still working my way to early retirement. 36 now, aiming for 5-10 years.

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Jeff B. 13/10/2021 - 2:31 AM

35. Putting in 9% of my salary (since 23) in my government pension, have about 6k in a 457b (contributing 3500 a year now towards it), and 6k in a roth that I opened this year (plan on maxing it out until retirement).

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Will Davids 13/10/2021 - 2:31 AM

Like the Batman and Robin(Preston/Bo) duo it works well. This gal is super annoying it’s like listening to your kid sister yapping about young people stuff.

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A W 13/10/2021 - 2:31 AM

Me as a 37 year old "I'm in trouble"

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Jordan Bergman 13/10/2021 - 2:31 AM

Great advice. I turned 31 this year and have three kids. The messy middle is no joke! Also, I want to thank you guys for your transparency and honesty in a profession that can often be anything but that. I'm a CPA working on adding financial planning to our tax practice. I plan on obtaining my CPA/PFS and eventually CFP once I have accumulated enough experience.

Keep up the fantastic work!

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Dani Izzy 13/10/2021 - 2:31 AM

Just turned 30 this year. Definitely still working on my career goals, financial goals, retirement goals and student loans. I wouldnt put having a family before any of those goals. My bf feels the same. We want to be financially free by 40.

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Millennials Lead The Way 13/10/2021 - 2:31 AM

Good stuff guys🤙🏾.

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KleissBunny 13/10/2021 - 2:31 AM

30 tomorrow. I would like to thank TMGS for getting me on track a few years ago and got me aggressively tracking down some goals. Thanks y'all

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Denys Percheklii 13/10/2021 - 2:31 AM

Found this show couple of months ago after turning 30. Active listener now. Thanks for creating such a valuable content. Even though you guys are base in US, all the things you are saying are easily applicable in Poland

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Mickey Pigknuckles 13/10/2021 - 2:31 AM

When you say something along the lines of, “Save X times your salary by age Y,” but your salary has increased from $60k to $120k between ages 25 and 30, what are you really aiming for?

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J 13/10/2021 - 2:31 AM

I love this content so much. You blokes are awesome.

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TACO NoC 13/10/2021 - 2:31 AM

Surprise, surprise, surprise. Reminds me of Gomer Pyle…. You're showing your age 😜

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W. Logan Caldwell 13/10/2021 - 2:31 AM

Turned 30 in March. Married with 3 kids. Completely debt free including home and cars. I'm excited to tackle this decade!

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Joanna Dion 13/10/2021 - 2:31 AM

Love the conversation about how to compare 401K plans! Those are also great guidelines as you consider multiple job offers. I would add: compare the employer contribution vesting schedule, especially if you work in a very tumultuous industry or you think your best bet for advancement is changing employers every few years.

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Lisandra Saumel Diaz 13/10/2021 - 2:31 AM

Love when Reeve joins Bo. Great advice

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butfirstcoffee 13/10/2021 - 2:31 AM

So relatable!! After having my first kid this year, I’m like, yep, yep, ✔️, that’s me

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Coolio 13/10/2021 - 2:31 AM

Napa, CA Housing Prices Crater 17% YOY As Sustained Crushing Housing Losses Blanket California

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Senior Housing Analyst 13/10/2021 - 2:31 AM

Best advice? Don't saddle yourself with a rapidly depreciating asset like a house.

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Matthew Ryan 13/10/2021 - 2:31 AM

1:55 Dont try to be busy because busy will find you
5:03 Things you think are a big deal aren't – but you won't realise it at the time 6:50 Big deal 1, 7:44 Big deal 2, 8:35 Big deal 3
10:45 Put in the hard work early. It will pay off 14:05 the numbers
17:00 Shazam
Q&A
19:39 Childcare costs
25:00 Planning family and not returning to work full-time
28:44 Buying and financing a new car
32:48 Do rich people get access to investments that other people don't
37:35 Best way to pay yourself from a small business
43:42 How much to put in each bucket
50:05 Reactions to Vanguard report
56:00 Buying a house and going back to school
1:01:55 Career change and pay cut – how to deal with the fear
1:09:14 Which 401k account to max out with multiple employers
1:14:00 Planning on lower income in retirement; should all extra savings now go into Roth or something else

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Mike 13/10/2021 - 2:31 AM

A almost sure way to having some degree of success in your 30s is to not settle down with a family and large mortgage payment. Focus on your career while everyone else is focusing on growing a family. I plan on having a kid in my 30s and her name will be Porsche…. Bonus points if you can actually find a female who shares the same goals.

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Instructions Unclear 13/10/2021 - 2:31 AM

Am 30. Make 90k only have 60k saved. Going to get a job that makes 60k so I am on track with guidelines!

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Greg FI 13/10/2021 - 2:31 AM

At 29, according to the formula, my net worth should be about 94K. It's currently about 150K. Woo! I've been watching for the past 4 years or so. LOVE THE SHOW!

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Applauseify 13/10/2021 - 2:31 AM

i m 35. i m behind with no 401k. but saving grace no debt or only 4k that can be paid off..no home . have my own car. no land/property or any other assets. currently trying to build up emergency savings. once it is done will move to 401k and creating financial goals

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Ankit Singh 13/10/2021 - 2:31 AM

Can anyone point me to where I can buy the wooden stand in the background they use for subscriber count? Not sure what the product category is.

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Hitesh Dhimmar 13/10/2021 - 2:31 AM

Dear Money Guy show team. Where can I submit question about my finances.

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Dj king 13/10/2021 - 2:31 AM

The best channel so far about finance 🎯🎯✔ .So much knowledge

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Ben K 13/10/2021 - 2:31 AM

Oh man, ran the numbers, right on track!

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Cam Cook 13/10/2021 - 2:31 AM

Shoutout to the 1991 kids

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Yomahira Ash 13/10/2021 - 2:31 AM

Would love to see an episode on what your retirement/savings should look like if you have a spouse that is not working. I’m a stay-at-home mom but do plan to return to work when the kids are old enough to go to school. However right now we’re a one income household

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Jack Jia 13/10/2021 - 2:31 AM

what is that number in the back?

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Martin Thomsen 13/10/2021 - 2:31 AM

The 1x your income is that before or after tax? and does this include 401K´s Personal savings etc?

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Bryan Rathman 13/10/2021 - 2:31 AM

I would love to leave accounting and go into personal finance. I feel I could teach personal finance all day long I would. There would be the initial drop income though which has scared me from doing this.

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Personal Finance With Sid 13/10/2021 - 2:31 AM

Turned 31 this year. Thanks so much guys for the content! Always enjoy your videos.

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Zyth 13/10/2021 - 2:31 AM

In the year i turned 31 i bought my first home with my girlfriend, got engaged, got a kid, got a new job, reserved our next apartment, lost my hair, lost my soul.

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Qaashuntae Wright 13/10/2021 - 2:31 AM

I contribute to my TSP, but I do not get employer match; however, my entire TSP is in a Roth IRA. I have maxed it out and have the left over $100 going to another Roth IRA account. I'm I allowed to have two different Roth accounts if one is a TSP and I adhere to limited.
I plan to increase gross income saving to 30%, once I pay my new car off at the 12 month mark (march).

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