Your 20s and 30s are the perfect time to lay the foundation for long-term wealth. 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.

To begin, make saving a top priority. Even small amounts add up, so aim to put aside at least 20% of your income into savings or investments.

Next, develop a budget and commit to it. Knowing where your money online financial advisor goes ensures you stay in control of your finances.

Building an emergency fund is crucial; aim for three to six months of expenses as a safety net.

The earlier you invest, the more potential your wealth has to grow. Compound interest works wonders over time, so start as soon as you can.

Stay informed about financial management, steer clear of lifestyle inflation, and ensure you live within your means. By following these steps, you’ll not only build wealth but also create habits that will keep you financially healthy for decades to come.