Turning 30

Turning 30

i will be turning 30 in February 2026.

I did not realize I'm not set for life up until recently.

I am a South East Asian chartered accountant living at home and single.

I have savings but that was for a house deposit which I'm now no longer consider.

I have a very small emergency fund.

However, I want to create a backup for myself in case everything goes wrong.

1. I'm considering backups Incase of redundancy, I am not at risk but I want to be prepared.

2. I know the property isn't mine so I will need to consider a backup in case something happens .

Note currently stay at home to care for parents.

3. My salary is £50k which is below the average for a qualified accountant so looking to change jobs or departments within the same company

What advise would you have for a 30 yr old

Ultimately I want to have safety backup and cushion but don't know where to start.

I'm confused where I should be at 30 and feel like I'm starting again and I'm behind my peers

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5 Comments

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  1. Anonymous

    First, please release yourself from a singular perspective of "where you should be by 30." We are all different, with different experiences, expectations, pressures, luck, and resources.

    To help you develop options for your next period of life, I'd encourage you to pursue higher paying positions now. That is the easiest way to build a safety net and increase your options for living.

    Because you are caring for parents, it sounds like you may have support for housing. That means you can save more now, even with that less than ideal salary. Try to get at least 3 months of living expenses (including housing) into your savings. If you have that already, go for 6 months of living expenses.

    Good luck and remember that 30 is very young! I have had 3 major career changes since the age of 30 and it has worked out just fine.

  2. Anonymous

    If I'm reading this correctly, it sounds like your culture is putting pressure on you. If your culture has brought you up to believe you are behind if you are not married, or own a house before 30, give thought on how you perceive your life. And in some cultures, the children live with their parents forever and help them. If this is not how you want to live your life, then save money, buy a house, or rent a place on your own and make a change. Your life if yours, no one else's. Also, if you are an accountant, then be sure to get your CPA license. I can't speak to your country or culture for sure, but to anyone out there who is your age that you know, you must be comparing yourself to them. I grew up in a culture that you went to college, got married and had babies. It wasn't for me, so I didn't. Times have changed, women do not need to be married to survive. Build relationships with women like yourself so you can have a strong network of people around you.

  3. Anonymous

    ? Make you own decisions about short and long term personal and professional goals. Build into that some what ifs. If you think you are underpaid for where you are careerwise look for a new job if you think more money will get you closer to what you have built into your goal plans. No one can guide you to what YOU want other than you. Your ethnicity is not a factor. If your family is willing to have you continue to live with them and you are okay with that while you build your career and nest egg then do that. Otherwise independence will cost what it costs where you choose to live and with what you choose to do in your own lifestyle. Good luck.

  4. Anonymous

    You over estimate the position of most of your peers.

    As for backup plans, consider a side hustle. Diversify your sources of income and take a close look at your budget. Get very strict with your spending and understand where you can cut back.

    Further, meet with a financial advisor who will have advice beyond these suggestions and can help you create a 3, 5 and 10 year plan to improve your situation.

  5. FelixBuchenwald
    Du musst mit dreißig nicht schon jede finanzielle Frage gelöst haben. Für einen ersten Überblick würde ich laufende Ausgaben und die Größe des vorhandenen Notgroschens getrennt betrachten und dann ein realistisches Sparziel festlegen. Welcher Betrag würde dir bei einem unerwarteten Jobwechsel zunächst Sicherheit geben? Auch bei https://legianocasino-at.com hilft ein realistisches Budget dabei, die Entscheidung an den eigenen Möglichkeiten auszurichten.

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