13/08/2026
🌱 Wealth planning in your 30s: are you on track?
Your 30s can feel like everything arrives at once — mortgages, weddings, kids, career moves, old pensions you haven’t checked in years, and that student loan still nibbling at your payslip. It’s a decade full of competing priorities, and getting the order wrong can be costly.
But here’s the good news: your 30s are also one of the most powerful decades for building long‑term financial resilience. The decisions you make now about protection, saving, investing, and retirement planning will shape your financial life for the next 30 years.
🔐 Protection first
If you have a mortgage, partner, or children, make sure your life cover, critical illness cover, and income protection are fit for purpose. Your future earnings are your biggest asset — protect them.
📝 Yes, you need a will
If you’re cohabiting, have children, or own property, a will and a Lasting Power of Attorney aren’t “later‑life” jobs. They’re essential foundations.
💰 Build your financial base
A six‑month emergency cash buffer
Regular pension contributions (the earlier you start, the bigger the compounding effect)
Consistent use of your ISA allowance for accessible, tax‑efficient saving
📈 Review your investments
A portfolio set up at 25 might not suit your life at 35. Check your risk level, performance, and whether your investments still align with your goals.
🏡 Overpay the mortgage or boost the pension?
It depends — but pensions often win over the long term thanks to tax relief and employer contributions. Your mortgage rate, pension position, and long‑term goals all matter here.
