For most people, your 30s are your most important decade in your wealth building journey. They are the years when you have finally settled into your career and are making a decent salary, after the relative poverty of your 20s. They are the years when you are likely to start thinking about properly setting money aside for your future.

Any money invested in your 30s has a much greater chance of compounding into serious wealth for your retirement than money invested in your 40s and 50s. And yet, for many, their 30s are a wasted decade.

For far too many people, their 30s are a decade of car lease payments, new conservatories, dining out, and bank-busting Christmas splurges followed by financial hangovers in January. As they progress with their careers and improve their take-home pay, instead of upgrading their investments, they upgrade their car.

But this is only scratching the surface of the 10 biggest killers of wealth that keep those in their 30s separated from financial independence their whole working lives. It doesn’t have to be this way. What are the big 10 wealth killers at age 30? Let’s check it out!

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