💡 Smart Money Moves to Make in Your 20s and 30s

1. Build an Emergency Fund

• Aim for 3-6 months’ expenses.
• Start with $1,000 if new to saving.

2. Invest Early—Even Small Amounts

• Compound interest is your best friend.
• Use robo-advisors (Betterment, Wealthfront) for easy investing.

3. Avoid Lifestyle Inflation

• Just because you earn more doesn’t mean you should spend more.
• Redirect raises to savings/debt payoff.

4. Tackle High-Interest Debt First

• Credit cards? Use the avalanche method (highest APR first).

5. Learn Basic Tax Optimization

• Max out 401(k) matches, use HSAs, and track deductions.

6. Get Insured

• Health, renters’, and term life insurance protect your future.

7. Side Hustle for Financial Freedom

• Use skills (writing, design, tutoring) to boost income.

Key Idea: Small steps now = massive rewards later.