What are the most important financial moves to make in your 30s?

Your 30s are typically peak earning-growth years with increasing financial complexity. Key priorities: (1) Maximize 401(k) contributions — or at least increase them to 15% of gross income including the match. (2) Refinance student loans if rates have fallen significantly. (3) If buying a home, do the rent-vs-buy math carefully and do not overextend. (4) If you have children, open a 529 plan — even small early contributions benefit enormously from 15+ years of compounding. (5) If your employer offers HSA-eligible health insurance, maximize HSA contributions and invest the funds. (6) Ensure you have adequate life and disability insurance, especially with dependents. (7) Create or update your will. Take the Financial Wellness Assessment at wealthserene.com/assessments/financial-wellness to benchmark your progress.