What financial mistakes are most common for people in their 30s to avoid?

The 30s are peak earning-growth years, and the biggest mistakes waste that momentum. First is lifestyle inflation absorbing every raise, so your savings rate never rises even as income does. Second is under-contributing to retirement to fund a bigger house or car; missing your employer's 401(k) match is leaving free money behind. Third is carrying no term life or disability insurance once others depend on your income. Fourth is neglecting an estate basics package, which leaves guardianship of kids to a court. Fifth is holding too much cash out of caution instead of investing, letting inflation erode it, a risk the Federal Reserve has highlighted in higher-rate years. Automate contributions so good behavior does not depend on discipline, and check your standing with the Annual Checkup at wealthserene.com/assessments/annual-checkup.