The Personal Finance Podcast 6 Ways to Master Money in Your 30s (and 40's!)
Sep 15, 2025
Explore six key strategies for mastering money in your 30s and 40s. Learn how to maximize your income through savvy career moves and salary negotiations. Discover the importance of building an emergency fund and managing debt effectively. Get tips on accelerating retirement savings and leveraging tax-advantaged accounts. Discuss managing major expenses like childcare and aging parent care. Understand how to protect your wealth with insurance and estate planning, while avoiding lifestyle inflation.
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Negotiate Raises Like A Career Skill
- Negotiate salary proactively and treat it as a learned skill that can add ~ $1M+ over your career.
- Schedule a six-month raise plan with your manager and follow a step-by-step raise process.
Use Strategic Job Moves For Big Raises
- Switch jobs strategically when raises stall to capture 14–20% pay bumps every few years.
- Keep one foot in your current job while you interview so transitions stay financially safe.
Create Side Income And Career Insurance
- Build side income streams or invest in certifications that materially raise your earning power.
- Use side hustles to pay high-interest debt or scale them into full businesses for long-term income.
