7 Moves 30-Year-Olds Could Make For Their Future

Harrison Haines on Pexels

It’s our mission to make money matters a little less insane. We provide financial editorial content free for all and are supported by affiliate partners included in this post which earns us a commission. We hope you enjoy our content and subscribe to our newsletter.

Listen up 30 year olds. You still have a great deal of time to make some fantastic choices, but that window will close, and the sooner you make some moves, the better. Take action today to put yourself further ahead in the future!

Regardless of where you’re at, there’s no better time to start making better financial decisions and smarter investments than today. Here are 7 moves you could literally try today with little effort right now and find out what they have to offer you.

1. Get Into Real Estate Investing Without Huge Sums Of Cash

multifamily apartment complex

Maciej Drążkiewicz on Unsplash

4 out of 5 Millionaires make their fortunes from Real Estate, but getting started investing in real estate used to take a lot money.

But now, you can get in the real estate investing game with $10, $500, $5,000, or more!

Invest literally as much or as little as you’d like with HappyNest. Happy Nest can even round up your loose change on every day purchases and invest that into real estate.

HappyNest lets you invest in a diversified commercial real estate portfolio, focusing on single-tenant net-leased properties with short to mid-term leases and other opportunistic investments.

Some of your new tenants include names Fedex, CVS, and Northrop Grumman.

The objective is to deliver a combination of stable cash distributions and appreciation by owning and acquiring properties leased to pandemic & internet-resistant businesses.

They recently expanded our investment portfolio to also include multi-family and industrial investments that we believe mitigate market risk, boost long-term returns, and deliver stability to our investors.

Signup to HappyNest now and link your bank account to invest a minimum of $10 to start investing.

2. This Might Sound Silly, But Art Might Be A Hugely Helpful Asset

money artwork

BP Miller on Unsplash

When you think about investing you probably think about stocks and real estate. You might think that investing in fine art by the likes of Banksy and Andy Warhol is only an option for the ultra-rich. But not anymore.

Masterworks is an investment platform designed specifically for investing in contemporary artwork (with a minimum $1,000 investment).

Why? Because, like a fine wine, a piece of fine art can get better — and more valuable — with time.

And maybe because, between 1995 and 2020, contemporary art has outperformed the S&P 500 by 174% — that’s nearly three times the returns — according to the Citi Global Art Market chart.

Masterworks is one of the first art investment platforms, and it’s available by invite only. (Don’t worry; we got you an invitation! skip the waitlist and sign up with Masterworks today) It lets you bypass the hard parts of art collecting, so you can just enjoy the rewards.

Here’s how it works:

  • The Masterworks research team watches the art markets to discover which types of works are going up in value.
  • Then it sends out an acquisition team to snatch up a piece and offers shares to member investors.
  • You select shares to buy (with a $1,000 minimum investment), and Masterworks uses its proprietary data to help you tailor your portfolio based on your financial goals.
  • You can earn money by selling your shares to other Masterworks users, or hold onto them and earn your share of the proceeds when Masterworks sells the piece.

3. Get A Top Financial Advisor To Help You Manage Your Money (This Could Be Incredibly helpful)

woman and kid in home office

ergonofis on Unsplash

Now might be one of the best times to get on top of your finances with the economy being on a wild ride.

Obviously, there are no guarantees a professional will do better than you at managing your money. But if you have a portfolio size of over $50,000 (could be a combination of cash, stock, or other assets) getting a second opinion from a pro certainly can’t hurt. Even if you don’t need help picking investments, they can help you create a plan, maximize your Social Security, protect your assets and offer you peace of mind by ensuring you’re on the right track.

These days, there are no-cost online services that make it easier than ever to find trustworthy financial advisers in your area. For example, WiserAdvisor. You fill out a short questionnaire and are instantly matched with up to three local fiduciary financial advisers, all legally bound to work in your best interests.

The process only takes a few minutes, and in many cases you’ll be offered a free consultation.

Nothing to lose, lots to potentially gain: Take a minute and check it out right now.

4. Help Protect Your Family By Leaving Them With Up To $2,000,000 (This Should Be A No Brainer)

man in white t-shirt carrying boy

Kelli McClintock on Unsplash

We hate to think about it, but who would make the mortgage or rent payments if something were to happen to you? One of the smartest moves you can make is to help protect your family’s financial future. Many people underestimate how much money is needed to provide for their families after they die. This is why life insurance is very important.

The older you are, the more expensive life insurance becomes. And because today is the youngest you’ll ever be, there’s no better time than today to get a life insurance policy.

Life insurance is made fast, easy, and affordable with Ethos, a company that lets you apply online in minutes without leaving your couch (no medical exams, no blood tests) and get personalized term life insurance offers based on your family’s needs. Coverage ranges from $100,000 – $2,000,000 and may cost as little as the price of a few coffees each month.

You’ll simply answer a few health questions as part of the online application. Ethos has helped protect over 100,000 families and has provided over $34 billion in coverage.

For around $1/day, you can get $250,000 in term coverage from Ethos and term life insurance policies go higher or lower depending on factors like age, health and coverage amount, you can complete the company’s application in 5 minutes. You’ll simply have to answer a few health questions as part of the online application.

Get your free quote from Ethos today and help ensure your family’s financial future is secure.

5. Get Cash From Your Home (At A Lower Interest Rate) Instead of Using A High Interest Credit Card

houses near road with palm trees in california

Robert Bye on Unsplash

If you’re in need of cash to do something like pay off debt, make a home improvement or make any other kind of large purchase, you could use your home to take out a lower interest home equity loan instead of using a high interest credit card or other higher interest loan. You could use the cash for virtually anything you want and potentially save lots of money in interest payments.

A home equity loan allows you to borrow money using the equity in your home as collateral. Because you’re using your home as collateral you usually can get much better interest rates than other loans or using a credit card. You receive the money from a home equity loan as a lump sum, and you pay back the loan in monthly payments.

LendingTree is an online marketplace that could help you get a large sum of cash against the equity in your home quickly.

Plus, they make the process incredibly easy. Just answer a short questionnaire and in under 2 minutes they’ll show you multiple options and your potential interest rates.

Check your rates now with LendingTree and see how much cash you might be able to get.

6. Get Up To $50,000 To Pay Off Your Credit Card Debt

couple reviewing bill debt


Credit card companies make lots of money charging their customers high interest.

But did you know you could get out of this debt spiral by using a personal loan to pay off your credit card debt? That’s because personal loans typically have a lower interest rate than a credit card.

Upgrade makes it super easy to apply and get a personal loan in minutes online. You can then get your money as early as within one business day.

It’s common that someone takes out a personal loan to pay off their credit card debt, and then begins paying off the lower interest personal loan.

You can also use a personal loan to pay off other types of debt, fund a vacation, or really anything you want.

In just the last five years, Upgrade has made over $21 billion of credit available to their customers. They also have a 4.6 out of 5 star score on Trust Pilot.

Check your personal loan rates here now.

7. Get A Cash Offer For Your Home In 3 Minutes (Without A Real Estate Agent)

brown and white concrete house in a suburban neighborhood

David Vives on Unsplash

Thinking about upgrading or downsizing? Why wait. Maybe you’re just curious about how much money you can get for your home or want to move. Whatever the reason, did you know there’s a way you could receive a cash offer within 24 hours without any broker/agent, or any showings?

Offerpad could give you a competitive cash offer right now. Offerpad is only available in Alabama, Arizona, Colorado, Florida, Georgia, Indiana, Kansas, Missouri, Nevada, North Carolina, Ohio, South Carolina, Tennessee, and Texas.

All you need to do is fill in a 3-minute questionnaire. Just fill in some info and Offerpad will carefully evaluate your home with local market expertise.

If you choose to accept your offer, Offerpad will also provide you with free local moving to your next place. You can also pick your closing day, which could be in as little as 24 hours, or choose to extend your stay to live in your current home a little longer.

Find out what your home’s cash offer is in 3 minutes right now.