When you are in your late teens and your 20s, it is the time that you educate yourself so that you can have a successful career. It is also a good time to have fun and find yourself.

When you are in your 30s, it is time to start seriously thinking about your future. Here are a few things that you need to start planning for:

1. Save Money to Buy a House.

Many people have a goal of owning their own house one day.

When you turn 30, it is time to start getting serious about saving money to buy a home. Whether you are planning to buy a new construction, or if you buy a resale home, you are going to need money for a down payment, closing costs, and the other fees related to home-ownership.

It is best to start saving in your 20s, but in your 30s, you really need to buckle down.

2. Start Worrying About Your Debt and Credit.

If you are going to get a car loan or a mortgage, you are going to need a good credit score.

If you don’t have a good score, you can expect to pay a lot of money as interest. This can cost you thousands of dollars more each year. At 30, you should start paying down your debt and working on bringing up your credit score. This is the time when it will matter the most.

3. Excel in Your Career.

Chances are, you went to college when you were in your 20s. If you really want to excel in your career, you should consider continuing your education.

There will always be competition in the business world. Some people will have more schooling and more experience than you.

If you can improve your chances of moving up in your career by continuing your education, you should consider going back to school to get an advanced degree. It is the best way to earn the highest salary possible.

4. Start Saving for Retirement.

Most people want to be financially comfortable when they retire. If you want to save the most money possible, you need to start saving for retirement early.

If your company offers a retirement program where they will match the amount that you put in, definitely take advantage of it. If not, you are going to need to buckle down and start saving on your own.

Financial experts recommend that you save 15 percent of your annual gross income and put it toward your retirement.

If you get a bonus at work, a raise, or any extra cash as a gift, you should put that towards your nest egg.

During your 20s, chances are you weren’t making enough money to start saving for your retirement. In your 30s, however, you should be making more than enough to start saving.

5. Start Saving for Your Child’s College Education.

If you are like most parents, you want the best for your children. This means ensuring that they will have an excellent education and that they can graduate from college free of debt.

The sooner you start saving for your child’s college education, the sooner you will have all the money that you will need.

When you turn 30 years old, you need to start thinking about your future. You can no longer afford to be irresponsible like you were in your 20s. It’s now time to start saving for your future.