Many life transitions happen in your 30's

This is the main premise of the best selling book by Ramit Sethi. He structures his ideas into 4 buckets: 

1. Track your spending. This will help you see where your money is going and identify areas where you can cut back.
2. Set financial goals

1. Money is not just a tool for buying things, it also shapes our emotions & attitudes in ways that can be both positive and negative.
2. The way we think about money is often irrational & influenced by emotions, which can lead to poor financial decisions.
3. The role of luck in finan...

It is a budget rule to help people reach their financial goals. It states that:

• You should spend up to 50% of your after-tax income on needs and obligations that you must-have or must-do.
• The remaining half should be split up between 20% savings and debt repayment and 30% to ev...