---
title: 7 Money Tips for Women in Their Thirties
description: Financial planner and "Money Queen" Cary Carbonaro has 7 useful tips.
authors:
  - name: Susie Poppick
    url: https://money.com/author/susie-poppick/
    at_money_since: 2013
    articles: 117
    covers:
      - Personal Finance
      - Banking
      - Business
      - Career Advice
      - Credit
      - Credit Cards
      - Economy and Politics
      - Education
      - Housing
      - Identity Theft
      - Insurance
      - Investing
      - Lifestyle
      - Loans
      - Retirement
      - Shopping
      - Taxes
      - Technology
    social:
      - https://x.com/susiepoppick
    former_staff: true
published: '2015-12-18T16:03:50.000Z'
modified: '2015-12-18T16:03:50.000Z'
section: Personal Finance
tags:
  - 30s
  - Budgeting
  - Careers
  - cary carbonaro
  - finances
  - Money
  - video
  - women
word_count: 174
canonical: https://money.com/financial-advice-women-thirties-30s/
type: Article
source: structured-blocks
---

> **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/).

![Screen Shot 2015-12-17 at 10.19.59 AM](https://img.money.com/2015/12/screen-shot-2015-12-17-at-10-19-59-am.png)

Your thirties bring forth a decade of increased financial responsibility. [Cary Carbonaro](http://moneyqueenguide.com/cary-carbonaro-cfp-mba/), financial planner and author of [*The Money Queen's Guide*](http://moneyqueenguide.com/the-money-queens-guide-for-woman-who-want-to-build-wealth-and-banish-fear/), gives some financial advice that will help you glide through the next 10 years of life.

**Know how much you can afford for your mortgage.** You don't want to be strapped, financially, for the rest of your life.

**Have a career plan.** Be prepared to take the next steps in your career.

**Take an outside course or network.** You can always grow professionally. Take courses or go to networking events to broaden your horizons and abilities.

**Have an emergency fund.** Life is unpredictable. Have something to fall back on.

**Have your own bank account.** If you're married, or in a relationship, make sure you have your own bank account.

**Disclose finances with your partner.** Be an open book, financially speaking, with your partner. Reveal all debt, goals, and issues you may have.

**Lastly, make sure you budget for a child.** Having a child is expensive. Start budgeting and preparing for the future now.

```json
{
  "@context": "https://schema.org",
  "@graph": [
    {
      "@type": "BreadcrumbList",
      "@id": "https://money.com/financial-advice-women-thirties-30s/#breadcrumb",
      "itemListElement": [
        {
          "@type": "ListItem",
          "position": 1,
          "name": "Home",
          "item": "https://money.com"
        },
        {
          "@type": "ListItem",
          "position": 2,
          "name": "Personal Finance",
          "item": "https://money.com/personal-finance/"
        },
        {
          "@type": "ListItem",
          "position": 3,
          "name": "Financial Planning",
          "item": "https://money.com/financial-planning/"
        },
        {
          "@type": "ListItem",
          "position": 4,
          "name": "7 Money Tips for Women in Their Thirties"
        }
      ]
    },
    {
      "@type": "WebSite",
      "@id": "https://money.com/#website",
      "url": "https://money.com",
      "name": "Money",
      "publisher": {
        "@id": "https://money.com/#organization"
      }
    },
    {
      "@type": "WebPage",
      "@id": "https://money.com/financial-advice-women-thirties-30s/#webpage",
      "url": "https://money.com/financial-advice-women-thirties-30s/",
      "name": "7 Money Tips for Women in Their Thirties",
      "isPartOf": {
        "@id": "https://money.com/#website"
      },
      "datePublished": "2015-12-18T16:03:50.000Z",
      "mainEntity": {
        "@id": "https://money.com/financial-advice-women-thirties-30s/"
      },
      "inLanguage": "en-US",
      "breadcrumb": {
        "@id": "https://money.com/financial-advice-women-thirties-30s/#breadcrumb"
      },
      "dateModified": "2015-12-18T16:03:50.000Z"
    },
    {
      "@type": "Article",
      "headline": "7 Money Tips for Women in Their Thirties",
      "articleSection": "Personal Finance",
      "image": [
        {
          "@type": "ImageObject",
          "url": "https://img.money.com/2015/12/screen-shot-2015-12-17-at-10-19-59-am.png",
          "width": 481,
          "height": 270,
          "caption": "Screen Shot 2015-12-17 at 10.19.59 AM"
        }
      ],
      "author": [
        {
          "@type": "Person",
          "name": "Susie Poppick",
          "url": "https://money.com/author/susie-poppick/",
          "@id": "https://money.com/author/susie-poppick/#author",
          "image": "https://img.money.com/2014/05/14-05-21_bio_author_poppick.jpg?quality=85&w=190&h=190&crop=1",
          "email": "susie_poppick@moneymail.com",
          "sameAs": [
            "https://x.com/susiepoppick"
          ]
        }
      ],
      "publisher": "https://money.com/#organization",
      "datePublished": "2015-12-18T16:03:50.000Z",
      "description": "Financial planner and \"Money Queen\" Cary Carbonaro has 7 useful tips.",
      "abstract": "Financial planner and \"Money Queen\" Cary Carbonaro has 7 useful tips.",
      "@id": "https://money.com/financial-advice-women-thirties-30s/",
      "inLanguage": "en-US",
      "dateModified": "2015-12-18T16:03:50.000Z",
      "wordCount": 174,
      "keywords": [
        "30s",
        "Budgeting",
        "Careers",
        "cary carbonaro",
        "finances",
        "Money",
        "video",
        "women"
      ],
      "about": [
        {
          "@type": "Thing",
          "name": "Personal finance",
          "sameAs": [
            "https://en.wikipedia.org/wiki/Personal_finance"
          ]
        },
        {
          "@type": "Thing",
          "name": "Financial plan",
          "sameAs": [
            "https://en.wikipedia.org/wiki/Financial_plan"
          ]
        }
      ]
    }
  ]
}
```