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So are your 30s the new 20s?
Your 30s are filled with random body parts deciding to like, spontaneously combust off your body and/or otherwise catastrophically fail and I really felt like I had more years before this would happen...
The shit that sucks, and the shit that rocks
Best Tips For Investing in Your 30s
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Best Tips For Investing in Your 30s
There is no doubt that life in your 30s is a bit different from in your 20s. As you get older, there are different financial considerations that you need to take into account and while you may have already made a lot of financial mistakes when you were younger, there are still a few things that could be damaging to your finances now that you need to watch out for. Fortunately, there are things that you can do to not only protect your savings but also expand your financial portfolio.
Save Funds For Emergencies
Before venturing into investing, it’s best to save up some money. This is hard to accept but all sorts of bad things could happen to your life when you’re in your 30s. You could lose your primary source of income; Your loved one might get sick; Some of your properties might break along the way. With this in mind, you need to have some funds that you can use right away during emergencies.
When it comes to determining how much you need to save, you can start by saving up to five months worth of living expenses. If you have a family to feed, then it won’t hurt to save more. This is easier said than done as you might have to cut some of your current expenses.
Start Saving For Retirement
You know you need to start saving sooner rather than later, but if you wait until you are older, it may be too late for you to make significant progress towards your financial goals. If you don’t take the necessary steps to secure some form of financial security, you’re likely to find yourself incredibly vulnerable when it comes time to make decisions about how much life insurance you need, when to retire, or what kind of investments are best for your specific goals and situation.
Get Involved in the Stock Market
The stock market has historically been a rewarding place to invest in for the long term. With your hard-earned money, you can expect to earn about 3% on a monthly basis, even if the market dips. Wise investors know that the stock market is a vehicle through which they can purchase real estate. And it is entirely possible to retire on investments in stocks alone. Many industries and products are based on regular stock price changes, so being able to predict the future by reading current trends is key.
Plan For Major Expenses
While building your investment portfolio, don’t forget to make plans for major expenses such as house, car, wedding, etc. If you don’t plan early, you might find it hard to get through these expenses the longer you wait before dealing with them. Keeping an eye on economic trends will help you with the process.
Invest in Bonds
The stock market may be exciting during times that you make a lot of money, but investing in bonds can actually yield better returns. Bonds are usually much safer than stock funds, and many bonds nowadays have yields that are just as high as high-yield dividend stocks. Your risk of making a losing investment is much lower with a bond than with stocks, and the returns on a bond will come more from interest payments than from the appreciation of the stock.
Diversify and Balance Your Investment Portfolio
A person’s financial security is inextricably linked to their portfolio. You’re less likely to fall prey to a financial collapse if you diversify your investments. Don’t limit yourself to certain types of investment vehicles. Always be on the lookout for new investment schemes.
Give Cryptocurrencies a Try
Cryptocurrencies are not a good investment for everyone. Investors who invest in crypto without knowing much about it can lose a lot of money. While cryptocurrencies are not without risk, they do offer some unique benefits to investors. Cryptocurrencies tend to be decentralized, meaning that many of them do not require a central bank or clearinghouse to record transactions. This decentralized system makes the market more liquid and less susceptible to manipulation. Having cryptos can help balance your portfolio.
Investing in your 30s comes with a lot of challenges but if you stay with your ambitions and keep yourself disciplined, you can put yourself in a good position to make more profit in the future. It is all about keeping yourself informed about various investment vehicles.
20's are for regretting, 30's are for being dignified, and 40's... older than I ever wanna be
Jake the Dog. "Daddy-Daughter Card Wars". The thirty-seventh episode in the seventh season of Adventure Time. Rhe two hundred thirty-sixth episode overall
This morning, one of my dear friends found out that she is pregnant after less than two months of "not trying, but not preventing." She also just took the bar exam (for the fifth time, actually) and closed on a brand new house in the same month. And while I am happy for her, because she's an awesome lady who makes me laugh and comes over to play video games with me, I also cannot help thinking, OH MY GOD, YOUR LIFE IS GOING TO BE SO DIFFERENT FROM MINE NOW. Not better or worse, just different.
Which got me thinking about - and measuring out - my own life. And also wondering if where I am puts me behind somehow ...
I don't think my younger self ever pictured my older self with kids and a white picket fence all that, but over the past few years, it's become more and more obvious that not only am I not working towards that fantasy, I'm happier for it. I don't want kids - period. (I’ll be a better aunt anyway). I'm not ready financially or mentally to buy a house, especially not in this town. I've been in a long-term relationship living with the same man for close to seven years now, and guess what? In spite of some nudging from his priest brother and some hints from his folks and mine, I’m not ready to get married, either.
I know lots of folks who've had this list in their head (or on paper) of things they needed to do by the time they hit 30. I've watched some of them turn into anxious wrecks when 30 rolls around and they're no closer to these goals. I suspect a few of them got married or bought that house they couldn't afford simply to tick off a box on this list.
But the more I thought about it, the more I realized I'm OK where I am. Childless, apartment-living, unmarried me is OK. One day I may join those friends with their houses and their husbands. For now, though? I’m alright right where I am. And I don’t think - despite my initial gut reaction - that puts me behind the curve. I think I’m just on the other side of it, coming at life from a slightly different angle. Not behind, not ahead. Just different. And different I can handle.