Your 30s are a thrilling blend of career highs, personal milestones, and, let’s be honest, some wallet-draining decisions. While you might feel like you’re finally adulting, these common financial pitfalls can sneak up on even the savviest of spenders. Here’s how to dodge them and keep your bank account smiling.

1. Spending Like You’re Still in Your 20s

Your 30s call for a financial glow-up. Ditch the YOLO mindset and embrace mindful spending. Start saying no to overpriced brunches—your future self will thank you.

2. Ignoring Retirement Contributions

Retirement might seem light-years away, but compound interest works best when you start early. Even a small monthly contribution now beats playing catch-up later.

3. Overloading on Lifestyle Inflation

You’ve got the raise, but does your spending need one too? Upgrade selectively and stash the rest for long-term goals.

4. Neglecting Emergency Funds

If life throws curveballs (and it will), an emergency fund is your financial safety net. Aim for three to six months of living expenses in a high-yield savings account.

5. Carrying High-Interest Debt

Credit card debt is like that clingy ex—it’ll drain your energy and your finances. Prioritize paying it off to avoid throwing money at interest.

6. Skipping Insurance

Life happens, so get insured. Health, life, and disability insurance aren’t optional luxuries—they’re essential safeguards.

7. Overlooking Investments

Keeping all your cash in a savings account is so last decade. Explore stocks, ETFs, or mutual funds to grow your wealth over time.

8. Not Negotiating Salary

You’ve got the skills; now get the pay. Negotiating your salary could significantly boost your lifetime earnings.

9. Falling for Get-Rich-Quick Schemes

If it sounds too good to be true, it probably is. Stick to tried-and-true methods to grow your wealth.

10. Ignoring Credit Scores

Your credit score impacts everything from loans to rental agreements. Monitor it regularly and keep it healthy.

11. Buying More Home Than You Need

Dream homes come with dreamy mortgages. Don’t let a big house trap you in a financial nightmare.

12. Overcommitting to Friends’ Events

Weddings, birthdays, vacations—the invitations add up. Learn to say no when it’s out of budget.

13. Avoiding Financial Advice

No, Google isn’t your financial planner. A professional can provide personalized advice and help you plan smarter.

14. Neglecting Self-Investment

Financial growth starts with personal growth. Learn new skills, attend workshops, or read books that enhance your earning potential.

15. Delaying Big Decisions

Procrastination costs money. Whether it’s investing, buying insurance, or starting a side hustle, now’s the time to act.