Jodi Perez and Jeannie Holliday were named to the 2024 edition of the Forbes list of Best-in-State Top Women Wealth Advisors


Monday – Thursday: 9:00AM – 5:00PM | Friday 9:00AM – 4:00PM

CALL US: (813) 908-2701


Book An Appointment

Call: (813) 908-201

In today’s fast-paced world, financial planning is a crucial aspect of securing a stable and prosperous future. If you’re a woman in your 30s, this is a pivotal time to take control of your finances and set yourself up for financial success. Whether you’re single, married, have children, or are pursuing your career, these years are critical for building a strong financial foundation. 

In this article, we will explore five key financial planning tips specifically tailored to women in their 30s, ensuring you make informed decisions and achieve your financial goals.

1. Assess Your Current Financial Situation

Before you can plan for the future, it’s essential to know where you stand financially right now. Take a close look at your income, expenses, debts, and assets. Are you saving enough? Do you have outstanding loans or credit card debt? Assessing your current financial situation helps you gain clarity on what needs improvement and where you’re doing well.

Take the time to organize your financial documents, such as bank statements, pay stubs, and credit reports. Calculate your net worth by subtracting your liabilities from your assets. This will give you a snapshot of your financial health.

Remember, this isn’t about judgment; it’s about understanding your starting point. Once you have this information, you can move forward with confidence.

2. Set Clear Financial Goals

Now that you have a better understanding of your current financial situation, it’s time to set clear and achievable financial goals. Ask yourself questions like:

  • What do I want to achieve financially in the next 5, 10, or 20 years?
  • Do I want to buy a home, start a family, or advance my career?
  • How much do I need to save for retirement?
  • Do I have any short-term goals like taking a vacation or paying off a student loan?

Setting specific, measurable, and time-bound goals will help you stay focused and motivated. It’s like planning a road trip: you need a destination to map out the route effectively.

3. Create a Budget That Works for You

Budgeting is a critical tool for financial success. Think of your budget as a roadmap for your finances. It tells you where your money comes from and where it goes. 

To create a budget that works for you:

  • List all your sources of income.
  • Track your expenses, including fixed costs (rent or mortgage, utilities) and variable expenses (groceries, entertainment).
  • Identify areas where you can cut back or save more.
  • Allocate a portion of your income to savings and investments.

Remember, a budget should be flexible and adaptable to your changing circumstances. Regularly review and adjust it as needed.

4. Invest Wisely for the Future

Investing is a powerful way to grow your wealth over time, and your 30s are an excellent time to start. Begin by building an emergency fund to cover unexpected expenses. After you have a layer of protection in place, look into investment opportunities that will fit your long-term objectives.

Think about building a varied portfolio of mutual funds, equities, and bonds. Investing always carries some risk, but diversification helps spread out the risk and make it more manageable.

If you’re unsure where to start, consult a financial advisor who can provide guidance tailored to your financial situation.

Investing is like planting seeds in a garden. With time, patience, and nurturing, your investments can grow and yield a bountiful harvest.

5. Protect Your Financial Future with Insurance

Life is full of uncertainties, and it’s crucial to protect your financial future. Insurance plays a significant role in safeguarding your assets and providing peace of mind. Here are some types of insurance to consider:

  • Health Insurance

Ensure you have adequate health coverage to protect against unexpected medical expenses.

  • Life Insurance

If you have dependents, life insurance can provide financial support in the event of your passing.

  • Disability Insurance

Protect your income if you become unable to work due to an injury or illness.

  • Auto and Home Insurance

Safeguard your valuable assets with appropriate coverage.

Insurance serves as a safety net, preventing unforeseen circumstances from upsetting your financial goals.


Financial planning in your 30s is all about setting the stage for a secure and prosperous future. By assessing your current situation, setting clear goals, creating a budget, investing wisely, and protecting your financial future with insurance, you can navigate this critical decade with confidence. 

Frequently Asked Questions (FAQs)

How can I start assessing my current financial situation?

To assess your current financial situation, gather all your financial documents, including bank statements, pay stubs, and credit reports. Calculate your net worth by subtracting your liabilities from your assets. This will give you a clear picture of where you stand financially.

Why is setting clear financial goals important?

Setting clear financial goals provides you with a roadmap for your financial future. It helps you stay focused, motivated, and accountable for your financial decisions. Without clear goals, it’s easy to drift and lose sight of your financial priorities.

When should I start investing, and where do I begin?

Your 30s are a great age to begin investing. Start by accumulating emergency money, and then look at investments that correspond to your long-term objectives.. Consider diversified portfolios of stocks, bonds, and mutual funds. If you’re uncertain, consult a financial advisor for personalized guidance.

Work with us

At Independent Financial Services we have professionals who can guide investment strategies, offer tax-efficient savings options, and assist in retirement and business succession planning.

Schedule a call with us today to learn more about how we can help!

Material provided by Redfern Media, an independent third party. Raymond James is not affiliated with and does not endorse the opinions or services of Redfern Media.

This material is being provided for information purposes only and is not a complete description, nor is it a recommendation. The information has been obtained from sources considered to be reliable, but there is no guarantee that these statements, opinions or forecasts provided herein will prove to be correct.  Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including asset allocation and diversification.