Take a quick scroll through social media and you'll find dozens of opinions about how much money you "should" have saved by 30. From well-meaning finance influencers to self-proclaimed money experts, everyone seems to have a magic number. But here's the truth — there's no universal savings target that works for everyone.
At City & County Credit Union, we believe in keeping things real. Your savings journey is unique to your life circumstances, career path, and future goals. Let's break down what actually matters when building your financial foundation.
While traditional financial wisdom suggests having your annual salary saved by 30, we know today's economic landscape looks different. Rising living costs, student loans, and evolving career paths mean your savings strategy needs to reflect your reality.
The key isn't hitting a specific number — it's building sustainable financial habits that grow with you.
Picture your emergency fund as your financial foundation. It's not the most exciting way to use your money, but having 3-6 months of essential expenses saved can protect you from unexpected costs and provide genuine peace of mind.
Start where you are. Even setting aside $50 per paycheck adds up faster than you might think. Our High-Yield Savings Account helps accelerate your progress with competitive interest rates and zero maintenance fees.
Want to boost your savings momentum? Here's what works:
Your 30s are prime time to build retirement savings momentum. If your employer offers 401(k) matching, consider it a priority — that match is essentially bonus money for your future self.
Not sure which path fits your situation? We can help you compare options and choose the best fit for your goals.
High-interest debt doesn't mean you have to put your savings goals on hold. The key is finding the right balance. Here's a straightforward approach:
Need help creating a balanced plan? Our debt payoff calculator can show you exactly where to focus your efforts for the biggest impact.
Beyond emergency funds and retirement, your 30s often bring exciting goals like homeownership or growing your family. Consider opening dedicated savings accounts for specific objectives — this keeps your money organized and helps you track progress toward each goal.
Your 30s are full of possibilities, and your savings goals should reflect that. Whether you're dreaming of homeownership, planning for retirement, or building that emergency fund, having a solid strategy makes all the difference.
At City & County Credit Union, we believe your money should work as hard as you do. That's why we're here with the guidance, tools, and support you need to turn those financial goals into reality.
Don't let uncertainty about savings hold you back. Let's work together to create a path toward your stronger financial future.