Financial Planning In Your 30’s

What kind of Financial Planning should you be doing in your 30s?
Well, first and foremost don't get too wrapped up in retirement projections. At this stage it's completely irrelevant .
So, what do you need to be doing?
1. Pay down debt. You CAN control this. So, get it done!
2. Get some liquidity built up. Don't pay down debt to the exclusion of having some liquidity. If you can do both, by all means do that.
If you can't that means you have too much debt. And you need to really, really change your spending habits.
3. GET LIFE INSURANCE!!! It's so cheap there is no reason you should not get a 30 year term policy.
4. Get your estate planning in order.
Do those four things and you'll be moving the ball forward.

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