Adrian Volenik

Sat, Jun 14, 2025, 2:40 PM4 min read

Your 30s are a time of big changes. You’re probably growing in your career, buying a home, getting married or having kids, said financial expert Bo Hanson, host of “The Money Guy Show.” Along with those life shifts come serious financial decisions that can shape the rest of your life.

In a recent video on their YouTube channel, Hanson explained that the financial habits and decisions you establish set the foundation for lifelong stability and wealth. And while that may sound a bit overwhelming, he broke it down into a few realistic goals to hit before you turn 40.

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Here are the three biggest financial milestones you should aim for in your 30s:

The first goal is to hit a net worth equal to your annual income in investable assets—not including home equity or emergency savings—by your early 30s.

“Crossing this milestone is an awesome first step for anyone starting out in their wealth-building journey,” the host said. This means you’re likely living below your means and compound interest is starting to work in your favor.

By the time you’re hitting 40, the ideal target is to have three times your income invested. And it's not as far-fetched as it sounds. If you start at age 30 with zero savings and put away $941 a month with a 9% return, you could have over $150,000 by 40. “That’s literally three times a $50,000 income,” Hanson explained.

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The $941 figure isn't random. It’s the combined monthly amount needed to max out a Roth IRA — $583 per month — and a health savings account — $358 per month — assuming you're eligible.

“Combining these two accounts helps you build significant tax-free wealth and this greatly enhances your long-term financial health,” Hanson said. You can automate this savings amount or use payroll deferrals if your employer allows it. “You have to invest the dollars. Saving in these accounts is only the first part of the equation.”

This milestone shows you’re going beyond just checking boxes like maxing out a Roth IRA and HSA. It's a sign you're serious about building long-term wealth.