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Financially, your thirties are the ideal time to start building wealth. In people’s 20s, they typically spend that decade growing a professional career and identifying financial best practices. Many people in their 20s are occupied with paying off student loans and saving up what money they can to travel or to eventually purchase a home. As you get older, you’ll learn financial best practices and have greater earning potential.

With age comes wisdom. While twenty-year-olds are worried about making ends meet, paying rent, and finding a job they love, thirty-year-olds are generally more established in these areas. Anyone approaching or well into their 30s should be dedicated to becoming financially stable. It’s never too early to set ambitious financial and professional goals, but your 30s are the primetime to do so.

Move up in your career

30-year-olds are well aware of their skillset and have several years worth of job experience under their belt. Now is the time for them to advance their careers by pushing forward in their professional life. Whether this advancement takes the form of a promotion in the office or a complete career shift, this period in one’s life should be dedicated to professional advancement.

Evaluate your budget

With more money comes more goals, as well as more responsibility. While it’s common for one’s budget to change from year to year, as people reach their thirties, they may need to radically reevaluate their spending. During one’s thirties, it’s time to consider altering their budget to accommodate getting married, starting a business, or having children. A new budget helps determine where and how your income will be divided over the next few years.

Rethink your insurance coverage

As you enter your thirties, you’ll realize that you have more assets to protect. If you’re married and have children, it’s even more important that you have adequate insurance to take care of your family. Now is the time for 30-year-olds to rethink their insurance coverage to make sure that they are properly protected. Depending on an individual’s family and home life, they may need to consider auto insurance, home or renter’s insurance, or life insurance.

Increase the emergency fund

Your thirties should bring financial security. Gone are the days of living paycheck to paycheck and skipping meals until payday. You should take advantage of any excess income by growing your emergency fund. An emergency fund with enough money for three to six month’s of expenses is the ideal goal and can help if you lose your job or have surprise medical bills.

Your thirties begin the start of a new financial journey. Follow these four tips to ensure financial stability and start building wealth.