{"id":14620,"date":"2025-02-27T19:07:38","date_gmt":"2025-02-27T19:07:38","guid":{"rendered":"https:\/\/jboitnott.com\/?p=14620"},"modified":"2025-02-27T19:11:15","modified_gmt":"2025-02-27T19:11:15","slug":"financial-planning-in-your-30s-a-late-starters-guide-to-success","status":"publish","type":"post","link":"https:\/\/jboitnott.com\/zh\/financial-planning-in-your-30s-a-late-starters-guide-to-success\/","title":{"rendered":"Financial Planning in Your 30s: A Late Starter\u2019s Guide to Success"},"content":{"rendered":"<p>I talk to entrepreneurs and professionals in their 30s who lament they\u2019ve \u201cgotten so old\u201d and run out of time to invest and retire at a younger age. Remember that financial planning in your 30s doesn\u2019t have to be worrisome.\u00a0You don\u2019t need to start\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/unlocking-financial-freedom-through-early-investment\/\" target=\"_blank\" rel=\"noopener\" data-google-interstitial=\"false\">investing right out of college,<\/a>\u00a0and millions of Americans find their financial footing later than that.\u00a0Your 30s offer advantages for building wealth, such as higher earning potential and better investment tools. The truth is anyone in their 30s or even 40s can turn their \u201clate\u201d start into a strong financial future.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<ul>\n<li>Quick access to many different investment options<\/li>\n<li>Up to the moment, educational resources<\/li>\n<\/ul>\n<p>It\u2019s true that you have fewer years before retirement than those who started earlier, but you still have time on your side.\u00a0 Someone in their mid-thirties has three decades until the typical retirement again and plenty of time for compound interest to do its magic.<\/p>\n<p>It should also be said that people in their 30s have more experience with important financial decisions and understand their spending patterns better. They also have a better idea of their career trajectory and long-term goals than they did in their 20s.<\/p>\n<h2><span id=\"Retirement_Catch-Up_Strategies\" class=\"ez-toc-section\"><\/span>Retirement Catch-Up Strategies<\/h2>\n<p class=\"whitespace-pre-wrap break-words\">Regarding financial planning in your 30s, specific approaches to\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/navigating-the-road-to-retirement-10-costly-mistakes-to-avoid\/\" data-google-interstitial=\"false\">retirement savings<\/a>\u00a0can be more effective than others. Here are some of the most powerful strategies you can try.<\/p>\n<h3 class=\"whitespace-pre-wrap break-words\"><span id=\"1_Get_the_Most_Out_of_Your_Retirement_Accounts\" class=\"ez-toc-section\"><\/span>1. Get the Most Out of Your Retirement Accounts<\/h3>\n<p class=\"whitespace-pre-wrap break-words\">Max out the contributions you can give to your 401(k). In 2025, you\u2019re allowed to contribute\u00a0<a href=\"https:\/\/www.irs.gov\/pub\/irs-drop\/n-24-80.pdf\">up to $23,500<\/a>. If your employer offers matching, capture every dollar because it\u2019s an immediate 100% return on your investment. You can also open a Roth IRA to add another $7,000 annually in savings, which gives you a tax advantage.<\/p>\n<h3 class=\"whitespace-pre-wrap break-words\"><span id=\"2_Pick_Smart_Investments_that_Accelerate_Growth\" class=\"ez-toc-section\"><\/span>2. Pick Smart Investments that Accelerate Growth<\/h3>\n<p class=\"whitespace-pre-wrap break-words\">You can afford to be aggressive since you\u2019re only in your 30s, but you should balance that with investments you know you\u2019ll hold for a long time. Look for index funds that don\u2019t cost as much and track major market indices to give you wider market exposure.<\/p>\n<h3 class=\"whitespace-pre-wrap break-words\"><span id=\"3_Automate_Everything\" class=\"ez-toc-section\"><\/span>3. Automate Everything<\/h3>\n<p class=\"whitespace-pre-wrap break-words\">Automatically transfer money to your investments the day after each paycheck hits. This \u201cpay yourself first\u201d approach removes emotion from investing and prevents lifestyle creep as your income grows.\u00a0Schedule automatic increases to your\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/401k\/how-to-set-your-401k-contribution-targets\/\" target=\"_blank\" rel=\"noopener\" data-google-interstitial=\"false\">contribution rates<\/a> to coincide with annual raises if possible.<\/p>\n<h3 class=\"whitespace-pre-wrap break-words\"><span id=\"4_Find_Hidden_Money\" class=\"ez-toc-section\"><\/span>4. Find Hidden Money<\/h3>\n<p class=\"whitespace-pre-wrap break-words\">Review your monthly expenses for ways to channel money into your retirement savings. Common places to find extra cash include:<\/p>\n<ul class=\"[&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc space-y-1.5 pl-7\">\n<li class=\"whitespace-normal break-words\">Refinancing high-interest debt<\/li>\n<li class=\"whitespace-normal break-words\">Switching insurance companies<\/li>\n<li class=\"whitespace-normal break-words\">Lowering the number of subscription services<\/li>\n<li class=\"whitespace-normal break-words\">Negotiating better rates for all of your bills<\/li>\n<\/ul>\n<p class=\"whitespace-pre-wrap break-words\">Redirect this found money to your retirement accounts right away before it gets absorbed into your everyday spending. The amounts may be small but add up significantly over time due to compound growth.<\/p>\n<h2><span id=\"Investment_Strategies_for_Late_Starters\" class=\"ez-toc-section\"><\/span>Investment Strategies for Late Starters<\/h2>\n<p>If you a late starter in your 30s there are a lot of ways to make the most out of your returns while\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/reduce-retirement-portfolio-risk\/\" data-google-interstitial=\"false\">keeping an eye on risk<\/a>. Here are four key approaches for millennials who are a little late to the game.<\/p>\n<h3><span id=\"1_Target_Sectors_with_Growth_Potential\" class=\"ez-toc-section\"><\/span>1. Target Sectors with Growth Potential<\/h3>\n<p>Pick sectors with sound potential in the long run, like technology, healthcare, and renewable energy. Don\u2019t get caught up in chasing trending stocks, but look for established companies with solid fundamentals and room for growth.<\/p>\n<h3><span id=\"2_Use_Tax_Advantages_Wisely\" class=\"ez-toc-section\"><\/span>2. Use Tax Advantages Wisely<\/h3>\n<p>Go beyond the traditional retirement accounts and leverage tax-efficient investment options. Consider municipal bonds for income that isn\u2019t taxed, HSAs for healthcare savings, and 529 plans if you have children. When you save money on taxes, redirect that money to more investments to make your portfolio grow faster.<\/p>\n<h3><span id=\"3_Build_a_Modern_Portfolio\" class=\"ez-toc-section\"><\/span>3. Build a Modern Portfolio<\/h3>\n<p>Your investments should\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/beyond-your-401k-looking-at-safe-alternative-investments-for-your-retirement-portfolio\/\" data-google-interstitial=\"false\">be diverse<\/a>\u00a0and reflect the economy of today. Include:<\/p>\n<ul>\n<li>Traditional stock and bond investments<\/li>\n<li>Real estate investment trusts (REITs)<\/li>\n<li>Exposure to international markets<\/li>\n<li>Alternative investments<\/li>\n<\/ul>\n<h3><span id=\"4_Balance_Risk_and_Time\" class=\"ez-toc-section\"><\/span>4.\u00a0 Balance Risk and Time<\/h3>\n<p>The conventional wisdom is that you have to get more conservative with age, but again, it\u2019s ok to be aggressive with investing in your 30s as long as you manage risk. Feel free to have a more significant equity allocation to capture growth potential, but you still want to incorporate defensive positions to protect against market fluctuations.<\/p>\n<p>Your overall strategy will most likely change anyway as your circumstances change. Periodically review your portfolio and rebalance it to make sure it aligns with your goals and changing risk tolerance.<\/p>\n<h2><span id=\"Career_and_Financial_Goal_Setting\" class=\"ez-toc-section\"><\/span>Career and Financial Goal Setting<\/h2>\n<p class=\"whitespace-pre-wrap break-words\">Your career remains your biggest financial asset in your 30s. Let\u2019s explore four ways to maximize its value for your future.<\/p>\n<h3 class=\"whitespace-pre-wrap break-words\"><span id=\"1_Get_Paid_What_Youre_Worth\" class=\"ez-toc-section\"><\/span>1. Get Paid What You\u2019re Worth<\/h3>\n<p class=\"whitespace-pre-wrap break-words\">Most millennials leave money on the table by not\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/ways-to-improve-your-financial-situation-in-1-hour\/\" data-google-interstitial=\"false\">negotiating well<\/a>. Research shows successful salary negotiations in your 30s can add hundreds of thousands of dollars to lifetime earnings. Document your achievements and research market rates and practice making your case for better compensation.<\/p>\n<h3 class=\"whitespace-pre-wrap break-words\"><span id=\"2_Turn_Free_Time_into_Extra_Money\" class=\"ez-toc-section\"><\/span>2. Turn Free Time into Extra Money<\/h3>\n<p class=\"whitespace-pre-wrap break-words\">Look beyond traditional part-time jobs to find high-value uses of your time. Online platforms need professionals for consulting, freelance work, and project management. Focus on opportunities that build on your existing skills rather than starting from scratch.<\/p>\n<h3 class=\"whitespace-pre-wrap break-words\"><span id=\"3_Build_Skills_That_Command_Higher_Pay\" class=\"ez-toc-section\"><\/span>3. Build Skills That Command Higher Pay<\/h3>\n<p class=\"whitespace-pre-wrap break-words\">The job market rewards specific, in-demand abilities. Identify skills gaps in your industry where training could lead to significant pay increases. Professional certifications, technical abilities, and management experience often translate directly to higher salaries.<\/p>\n<h3 class=\"whitespace-pre-wrap break-words\"><span id=\"4_Make_Job_Changes_That_Matter\" class=\"ez-toc-section\"><\/span>4. Make Job Changes That Matter<\/h3>\n<p class=\"whitespace-pre-wrap break-words\">Strategic job moves can accelerate the money you make over time. Look for roles that offer substantial raises, better benefits packages, and clear paths to advancement. Give the most attention to companies in expanding fields where stock options or profit sharing could provide even greater opportunities to grow wealth.<\/p>\n<h2><span id=\"How_to_Manage_Debt_and_Still_Build_Wealth\" class=\"ez-toc-section\"><\/span>How to Manage Debt and Still Build Wealth<\/h2>\n<p>Just because\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/mastering-debt-in-retirement-strategies-for-financial-freedom-in-your-golden-years\/\" data-google-interstitial=\"false\">you have debt<\/a>\u00a0doesn\u2019t mean you can\u2019t keep building your retirement nest egg. Managing your debt the right way can accelerate your financial progress.<\/p>\n<h3><span id=\"A_Prioritize_Your_Payoff_Plan\" class=\"ez-toc-section\"><\/span>A. Prioritize Your Payoff Plan<\/h3>\n<p>You don\u2019t need to pay off all debt right away. Put your debt into these categories:<\/p>\n<ul>\n<li>High-interest credit cards (pay these first)<\/li>\n<li>Student loans with tax-deductible interest<\/li>\n<li>Low-interest car loans<\/li>\n<li>Mortgage debt<\/li>\n<\/ul>\n<h3><span id=\"B_Build_Your_Credit_Score\" class=\"ez-toc-section\"><\/span>B. Build Your Credit Score<\/h3>\n<p>Your 30s offer prime opportunities to optimize your credit score so pay every bill on time, keep credit utilization under 30%, and don\u2019t get rid of your oldest accounts. A strong credit score unlocks better interest rates and terms on future investments.<\/p>\n<h3><span id=\"C_Use_Debt_as_a_Tool\" class=\"ez-toc-section\"><\/span>C. Use Debt as a Tool<\/h3>\n<p>While avoiding unnecessary debt, certain loans can build wealth. A mortgage on a rental property or a business loan for a promising venture might generate returns that exceed borrowing costs. Always calculate potential returns against interest expenses before taking on new debt.<\/p>\n<h3><span id=\"D_Handle_Student_Loans_Wisely\" class=\"ez-toc-section\"><\/span>D. Handle Student Loans Wisely<\/h3>\n<p>Every year, you should review the plan you have in place to\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/navigating-student-loan-repayment-strategies-for-recent-graduates\/\" target=\"_blank\" rel=\"noopener\" data-google-interstitial=\"false\">repay<\/a><a class=\"noskim\" href=\"https:\/\/due.com\/navigating-student-loan-repayment-strategies-for-recent-graduates\/\" data-google-interstitial=\"false\">\u00a0student loans<\/a>. If you have private loans, consider refinancing them when rates drop. However, weigh carefully before refinancing federal loans because you could lose access to specific repayment plans and potential loan forgiveness programs.<\/p>\n<p>Remember that debt management needs regular attention and that what works today might need changing as your income grows and financial goals evolve.<\/p>\n<h2><span id=\"Creating_Multiple_Income_Streams\" class=\"ez-toc-section\"><\/span>Creating Multiple Income Streams<\/h2>\n<p>Many people in their 30s try to develop a side hustle or additional paycheck to build wealth faster. Here are four ways to create additional income that grows over time.<\/p>\n<h3><span id=\"A_Automate_Your_Extra_Earnings\" class=\"ez-toc-section\"><\/span>A. Automate Your Extra Earnings<\/h3>\n<p>Digital platforms now offer multiple ways to earn without constant attention. Consider\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/biggest-mistakes-in-creating-multiple-income-streams\/\" data-google-interstitial=\"false\">revenue-generating opportunities<\/a> through:<\/p>\n<ul>\n<li>Content creation and digital products<\/li>\n<li>Online course development<\/li>\n<li>Affiliate marketing<\/li>\n<li>App or website advertising<\/li>\n<\/ul>\n<h3><span id=\"B_Put_Your_Money_to_Work\" class=\"ez-toc-section\"><\/span>B. Put Your Money to Work<\/h3>\n<p>Start with dividend-paying stocks or funds that align with your investment strategy. Reinvest these dividends automatically to accelerate your wealth-building through compound growth.<\/p>\n<h3><span id=\"C_Start_Small_Think_Big\" class=\"ez-toc-section\"><\/span>C. Start Small, Think Big<\/h3>\n<p>Launch a business that takes advantage of your skill set and time available. Many successful millennial entrepreneurs began with simple service businesses that could manage outside work hours and then scaled up gradually.<\/p>\n<h3><span id=\"D_Begin_Your_Real_Estate_Journey\" class=\"ez-toc-section\"><\/span>D. Begin Your Real Estate Journey<\/h3>\n<p>Some of the smartest colleagues I know tried \u201chouse hacking\u201d \u2014 where you live in one unit while renting out others \u2014 as an entry point to real estate investing. This approach helps offset living expenses while building equity in a valuable asset.<\/p>\n<p>It\u2019s best to start with one additional income stream and master that before trying to add others.<\/p>\n<h2><span id=\"Action_Plan_for_Late_Start_Investing\" class=\"ez-toc-section\"><\/span>Action Plan for Late Start Investing<\/h2>\n<p>If you break down your financial journey into manageable steps, the process won\u2019t feel as overwhelming. Here\u2019s a road map:<\/p>\n<h3><span id=\"First_6_Months_Build_Your_Foundation\" class=\"ez-toc-section\"><\/span><strong>First 6 Months: Build Your Foundation\u00a0<\/strong><\/h3>\n<p>Start with three key actions:<\/p>\n<ul>\n<li>Calculate your net worth<\/li>\n<li>Establish an emergency fund<\/li>\n<li>Maximize your employer\u2019s retirement match<\/li>\n<\/ul>\n<p>Set up automatic transfers for savings and begin\u00a0<a class=\"noskim\" href=\"https:\/\/due.com\/revamp-your-personal-finances\/\" data-google-interstitial=\"false\">tracking your spending habits<\/a>\u00a0carefully.<\/p>\n<h3><span id=\"Year_One_Accelerate_Your_Progress\" class=\"ez-toc-section\"><\/span><strong>Year One: Accelerate Your Progress<\/strong><\/h3>\n<p>Increase your retirement contributions by 1% every three months, and start investing beyond your workplace retirement plan. Research and select a mix of low-cost index funds that match your risk tolerance.<\/p>\n<h3><span id=\"Five-Year_Milestones\" class=\"ez-toc-section\"><\/span><strong>Five-Year Milestones\u00a0<\/strong><\/h3>\n<p>Aim to save 20% of your income for retirement, build multiple income streams, and reduce high-interest debt.<\/p>\n<h3><span id=\"Long-Term_Strategy\" class=\"ez-toc-section\"><\/span><strong>Long-Term Strategy<\/strong><\/h3>\n<p>It\u2019s better to be consistent than go for flashy trends. Keep building your investment knowledge through:<\/p>\n<ul>\n<li>Regular reviews of your funds<\/li>\n<li>Assessment of goals each year<\/li>\n<li>Adjustments based on life changes<\/li>\n<li>Professional guidance when needed<\/li>\n<\/ul>\n<p>Wealth growth occurs when one makes steady progress over time, not when one makes dramatic financial moves.<\/p>\n<h2><span id=\"Your_Best_Moves_Are_Still_Ahead\" class=\"ez-toc-section\"><\/span>Your Best Moves Are Still Ahead<\/h2>\n<p>Don\u2019t despair \u2014 You can argue that your 30s are one of the best times to begin saving for retirement because of your experience, earning potential, and access to more tools than any other generation has had. Your timeline might be a bit shorter, but your path to financial security is not hard to follow.<\/p>\n<p>Take action today by implementing one strategy at a time, and always remember that staying consistent is more important than getting the timing exactly right. Even if it might not feel optimal right now, your best financial moves still lie ahead.<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<p><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">Thanks for reading! Do you want to create thought leadership articles like the one above? If you struggle to translate your ideas into content that will help build credibility and influence others, sign up to get John\u2019s latest online course \u201c<\/em><\/strong><a class=\"markup--anchor markup--p-anchor\" href=\"https:\/\/jboitnott.com\/writing-from-your-voice-course\/\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/jboitnott.com\/writing-from-your-voice-course\/\"><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">Writing From Your Voice<\/em><\/strong><\/a><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">\u201d here.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>I talk to entrepreneurs and professionals in their 30s who lament they\u2019ve \u201cgotten so old\u201d and run out of time to invest and retire at a younger age. Remember that financial planning in your 30s doesn\u2019t have to be worrisome.\u00a0You don\u2019t need to start\u00a0investing right out of college,\u00a0and millions of Americans find their financial footing [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14623,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1115,1270],"tags":[1117,1116,826,827],"class_list":["post-14620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips","category-retirement-planning","tag-money-management","tag-money-tips","tag-retirement","tag-retirement-plan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Planning in Your 30s: A Late Starter\u2019s Guide to Success - John Boitnott<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/due.com\/financial-planning-in-your-30s-a-late-starters-guide-to-success\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Planning in Your 30s: A Late Starter\u2019s Guide to Success - John Boitnott\" \/>\n<meta property=\"og:description\" content=\"I talk to entrepreneurs and professionals in their 30s who lament they\u2019ve \u201cgotten so old\u201d and run out of time to invest and retire at a younger age. Remember that financial planning in your 30s doesn\u2019t have to be worrisome.\u00a0You don\u2019t need to start\u00a0investing right out of college,\u00a0and millions of Americans find their financial footing [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/due.com\/financial-planning-in-your-30s-a-late-starters-guide-to-success\/\" \/>\n<meta property=\"og:site_name\" content=\"John Boitnott\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/jboity\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-27T19:07:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-27T19:11:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jboitnott.com\/wp-content\/uploads\/2025\/02\/pexels-rdne-7947999.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"427\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"jboitnott\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@jboitnott\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"jboitnott\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 \u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/due.com\\\/financial-planning-in-your-30s-a-late-starters-guide-to-success\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/financial-planning-in-your-30s-a-late-starters-guide-to-success\\\/\"},\"author\":{\"name\":\"jboitnott\",\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#\\\/schema\\\/person\\\/d7fa045fbd7b19d5a9d7a0e88c382319\"},\"headline\":\"Financial Planning in Your 30s: A Late Starter\u2019s Guide to Success\",\"datePublished\":\"2025-02-27T19:07:38+00:00\",\"dateModified\":\"2025-02-27T19:11:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/financial-planning-in-your-30s-a-late-starters-guide-to-success\\\/\"},\"wordCount\":1729,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/jboitnott.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/due.com\\\/financial-planning-in-your-30s-a-late-starters-guide-to-success\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jboitnott.com\\\/wp-content\\\/uploads\\\/2025\\\/02\\\/pexels-rdne-7947999.jpg\",\"keywords\":[\"money management\",\"Money Tips\",\"Retirement\",\"Retirement plan\"],\"articleSection\":[\"Money Tips\",\"Retirement Planning\"],\"inLanguage\":\"zh-Hans\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/due.com\\\/financial-planning-in-your-30s-a-late-starters-guide-to-success\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/jboitnott.com\\\/financial-planning-in-your-30s-a-late-starters-guide-to-success\\\/\",\"url\":\"https:\\\/\\\/due.com\\\/financial-planning-in-your-30s-a-late-starters-guide-to-success\\\/\",\"name\":\"Financial Planning in Your 30s: A Late Starter\u2019s Guide to Success - 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