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How to Manage Your Money in your 20s and 30s Like a Boss

When I moved out of my mom’s house when I was 23, my greatest fear was having to move back home – again. In turn, I did everything I could to stretch my $1,800 a month take-home pay. By being frugal, taking on side hustles, and saving as much as possible, I was able to both squeak by and sock away a bit of cash each month. It was no easy feat, but it was doable. Remember: You don’t have to live in a van to save. Even small steps can help, like switching to a bank that doesn’t charge fees and negotiating for a lower Internet bill. Fast forward to the present. Now that I’m in my 30s, I know that my frugality and hard-core money-saving ways paid off. Yet, there are quite a few things I wish I told my 20-something self about money. To up your money game, here are a few pointers on how to manage your finances during your 20s versus your 30s.

While in your 20s, you were laying the groundwork to save and invest. In your 30s, however, you’ll want to start thinking about growing your money. There’s no single way to approach this. It depends on your personal situation, existing resources, and lifestyle preferences. For example, perhaps you want to buy your first home, or get serious about investing in the stock market. This is your time to make decisions to grow your money.

John Frank

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Michael Crisp

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Adam Lii

it was easy to open online for the 2.5% APY however, they can only take $50,000 maximum from an external bank.

Joe Carl

The only reason to be with them is their good rate right now (August 2018). Every time I call their customer service with a question, I get an overseas person who I can barely understand. Why does a Pennsylvania bank have an overseas customer service department?? Also, why is the ACH policy so darn ridiculous. Would anyone deal with a local bank that had crazy limits (5k per day) on your deposits and withdrawals? NO!!!!

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I just transferred money into the bank for their Money Market Ascent, however will be transferring out right away. Just got off the phone with their customer service, they have no idea how another person's phone number's shows up on my "Security" test screen for logging in. I end up having to put down one device and log in with another, now I am having to completely close and move my money in chunks in order to avoid receiving a "check" in the mail in 7 - 10 business days!

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