Your twenties and thirties are the ideal decades to start building lasting financial stability. The choices you make now can set you up for a financially secure future, and the best part? It’s never too early—or too late—to start. Here are the top 10 tips to get you on the right track.

Start by focusing on saving. Consistent small contributions add up—try saving 20% of your income for financial advice future goals or investments.

The second step is to establish a budget and follow it consistently. Knowing where your money goes ensures you stay in control of your finances.

Be sure to save for emergencies—having three to six months’ worth of expenses set aside is a reliable target.

Investing early is another critical strategy. The magic of compound interest is most powerful over time, so don’t delay investing.

Keep learning about personal finance, avoid lifestyle inflation, and always live below your means. Adopting these tips will grow your wealth and solidify healthy financial practices for the long haul.