The choices you make in your 20s and 30s can set the stage for a lifetime of wealth. The choices you make now can set you up for a financially secure future, and the best part? It’s never too early—or too late—to start. Here are the top 10 tips to get you on the right track.

To begin, make saving a top priority. Even modest savings matter; aim to allocate 20% of your earnings to savings or investment funds.

The second step is to establish a budget and follow it consistently. Knowing where your money goes ensures you stay in control of your finances.

Building an emergency fund is crucial; aim for three to six months of expenses as a safety net.

The earlier you invest, the more potential your wealth has to grow. The magic of compound interest is most powerful over time, so don’t delay investing.

Keep learning about personal finance, avoid tips on saving money lifestyle inflation, and always live below your means. These strategies won’t just help you accumulate wealth—they’ll also establish habits for lasting financial well-being.