5. You Need To Start Saving For Retirement Now
Saving money is a lot less fun than spending it. Unfortunately, money doesn’t go nearly as far as it used to. In the old days you would get a job out of high school, save for a few years, buy a house and new car, then eventually retire with a full pension or live off social security. You’re hard work paid off.
Nowadays, it’s no so easy. Most people don’t land a good job without going to college—and that comes with a lengthy debt sentence. Buying a home and automobile has never been more expensive. And retirement is something most of us can only dream about.
Due to government greed it’s unlikely us 30 somethings will receive much—if any—social security when it’s time to retire. Many employers no longer match 401k contributions leaving employees working long after they should be retired. And these trends are only getting worse, not better.
This is why it’s so important to start saving NOW. You shouldn’t put it off even if money is tight. You can start small by opening a savings account and putting any extra money in it. But you’ll want to do more: open an IRA/Roth IRA, keep an emergency fund, learn how to invest in the stock market—but don’t invest in anything you don’t understand, and spend your money wisely—don’t buy things you can’t afford or really need.
6. Don’t Try To Be A Jack Of All Trades
A problem many of us don’t even realize we have is our tendency to try to be good at too many things. And while it’s important to try new things and have many new experiences throughout your life, it’s not always a good thing to focus on too many things at once.
Since this is a site for writers I’ll use writing as an example. Many of you folks want to become successful writers. That goal requires lots and lots of time, patience, and effort. But you can’t spend the time needed to reach that goal if you’re splitting your time between writing and a dozen other hobbies.
How many of you have more than one dream? You want to be a painter, writer, actor, musician, and the list goes on and on. Some of these things can be fun and enjoyable, but you are super unlikely to master any one of them if you’re practicing all of them at the same time.
In your 20s you spend a lot of time trying all kinds of different things to see what you like, what you’re good at, and what doesn’t work for you. In your 30s it’s now time to whittle the list down to a few or just one main thing and focus on that. Remember, do you want to be a jack of all trades and a master of none, or a master of one or two things? It’s often much more rewarding to be really good at one thing than mediocre at many things.
7. Don’t Be Afraid To Take Risk
Regret is something none of want to feel. Whether it be regret of not taking a new job opportunity, trying something new, or taking a chance on a new relationship, we often have the habit of “settling” down and slipping into a hard routine in our 30s. But that’s not always the best way to go about things.
You can’t be afraid of taking risk and continuing to grow as a person. You don’t want to end up like one of those people who work the same miserable job, live in the same rundown town, and talk to the same boring people for 40 years. If you want more out of life you must take some chances and create something new. Some risk bring great rewards. For instance, if you hate your job, don’t shy away when a new enticing job offer comes your way. It just might be the thing you’re looking for.
8. Accept The Fact You Don’t Have To Always Know What You’re Doing
Here’s something you might not realize: while everyone around you seems to have their act together and knows what they’re doing and where they’re heading in life, most people actually have no clue. You aren’t alone in feeling like you’re just kind of “winging” this whole being a responsible adult thing.
Sure, you work and probably have some goals set for yourself. But when it comes to day-to-day life, most of us are just going with the flow. So don’t become overwhelmed by life; it’s not always going to be easy. And remember, what’s important today—something that seems like it could be the end of your world—will most likely be unimportant and forgotten a few years down the road. Don’t stress the small stuff and don’t let the big stuff tear you down. Whether you stress or not, life just keeps flowing like a raging river.
9. Invest In Your Family
This doesn’t just mean your spouse and kids (seriously, why haven’t you called your mother lately?) As you get older you start to realize just how important family really is. After all, they’re the ones who’ll be by your side through thick and thin.
Going back to regret, many folks say one of the things they regret most is not spending enough time and valuing the time they did spend with their family. Your parents, grandparents, and aunts and uncles won’t be around forever. You should invest your time with them just as intently as you invest your time in your money.
10. Never Stop Growing And Improving
This is a major issue we have as we reach our 30s. Whether it’s because of work or lack of time, we often stop growing and improving as we get older. We settle in our ways and ideas and no longer open ourselves up as much to new ideas and possibilities. You see this a lot in terms of religion and politics, but it takes many other forms as well.
You ever talk to a real thick-headed numb-skull who no matter what facts you present, still refuses to listen to what you’re saying? These people aren’t about debating and learning new things. They simply want YOU to listen to their ideas and what they believe. And this is a problem because many of us are that person—we just don’t realize it.
A part of growing as a person and becoming wise is actually listening to things you don’t believe in. I’m not talking about scams and fake garbage like the Earth being flat. But I am saying you should at least hear the facts, do your own research, and come to your own conclusions.
It’s easy to dismiss a person with an opposing viewpoint as you, but it takes significant growth to try to see their viewpoint and see if it can benefit you in any meaningful way. And this goes for all aspects of life. Just because you’re busy working or raising a family doesn’t mean you have to shut off your lust for knowledge and self-improvement. You can grow as a person until the day you die. Don’t close yourself off in a bubble of your own deeply held beliefs. Continue to learn and be open-minded. Life’s a journey and the learning only stops when you say it does.
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