How To Build Wealth in Your 30's

Julie Murphy • December 2, 2021

Building wealth might seem like a daunting task.

My clients of all walks of life tell me that they struggle to build lasting wealth—not just short-term gains.

It’s true, building wealth requires knowledge, a dash of experience, and a bit of patience.

But that doesn’t mean it’s impossible, no matter how old you are.

Today, though, I want to speak directly to people like you who are in their 30’s and are ready to learn how to get rich in one of the most important decades of their life.

You might think you’re too old to get rich, but I’m here to tell you that’s a complete lie.

You’re just starting to reach your income peak, but really anyone can take the steps I’m going to outline in this post and use them to build wealth.

So, if you’re serious about learning how to build wealth in your 30’s, then tune in, you’re going to want this information.

How to Build Wealth In Your 30’s

Reduce Your Expenses

One of the biggest misconceptions people have about the rich is how they got there. I can assure you, no one who is rich today has built wealth by spending more on their living expenses than they should.

Here are a few ways to reduce your living expenses.

Stop Spending Money on Expensive Cars

Buy a used vehicle and drive it until it dies. That’s the best advice I can give to someone in their 30’s looking to build wealth. Don’t buy extended warranties if you just absolutely must buy a new vehicle.

Eliminate Impulse Purchases

Don’t let Jeff Bezos eat up your wealth. Set a rule that on any item over, say, $100 that you want to buy you have to wait at least 24 hours to buy it. This helps reduce impulse buys that can destroy your chances of building wealth.

Cut What You Spend on Housing

Another way you can reduce your expenses is to cut what you spend on housing. I know that the cost of living is only increasing, but the reality is if you search hard enough you can find a good deal. Connect with a rental locator and see if they can find something within your budget to reduce your overall costs.

Start Saving A Portion of Your Income

Saving is not just something your grandparents told you to do, it’s a great way to build your wealth. After all, if you ever want to invest you have to have money to do it. Here are a few ways to start saving.

Budget for Savings

If you don’t budget for it, you won’t do it. So, start budgeting for what you want to save each month. Even if it’s $100, you will be shocked by how saving money changes your money mindset and gets you closer to your goals.

Be Consistent

Consistency is equally important. Long-term saving strategies require consistency to manifest. So, if one month you find yourself struggling to make ends meet, still put something into savings, even if it's not even close to what you budgeted. This helps you maintain the habit of saving.

Open a Saving Account that Earns Money

Another smart money move is to open a savings account that generates interest. Check out recommend savings accounts to learn more about interest-growing accounts you can sign up for.

Develop An Emergency Fund

Emergency funds are priority number one before you start investing and learning how to build wealth in your 30’s. Start by putting at least $1,000 in an emergency savings account. This is the least amount any savings account should contain. You can build on that amount over time.

Pay Off Debt

The less debt you’re dealing with, the more money you have to get rich in your 30s. It’s also really good for your credit score. Of course, keep in mind that there is a difference between good debt and bad debt. For example, mortgages are considered ‘good’ debt. Conversely, credit card debt is bad debt. The more credit card debt you have, the more it affects your credit score.

There are multiple ways to pay off debt, but it all starts with writing down what you owe and your interest rates. Then figure out how you can pay off credit cards with the highest interest rates first. Why? Because no matter what savings account you have, none of them pay as much as your interest rates.

Also, make sure you pay your payments on time every month. Missing even one payment can lead to significant damage to your credit score.

Here are a few debt payoff strategies for you to Google…

Personal Loans

Snowball Method

Avalanche Method

Balance Transfers

Debt Settlement

Bankruptcy

Invest In Yourself

I urge you with all of my soul, PLEASE educate yourself in your 30s. Nothing has a greater ROI (return on investment) than self-investment.

Maybe you want to get another degree or upgrade your existing one to an MBA. Or maybe you just want to enhance your skillsets by taking online courses.

I really don’t care what you decide to do but make it a priority to learn something new every single year.

If you work your butt off to get new certifications and skillsets, I promise you it will pay off in the long run. The more skills and knowledge you possess, the more valuable you are to the marketplace.

Become An Entrepreneur

Another avenue to explore is .

This isn’t a one-dimensional process or linear plan. It requires keeping your eyes open to new opportunities.

You don’t want to spend the rest of your 30’s as an employee. It will dramatically reduce your earning power. Ultimately you want to be the business owner. Because they have the power to earn maximum income on any of the ventures they take on. Eventually, you can also become an investor, giving you the absolute best opportunity to become rich in your 30’s and beyond.

So, I ask you, what are a few business ideas you’ve always wanted to explore? Maybe dropshipping? Perhaps Shopify? Or could you even start blogging for a living?

There are so many opportunities out there it makes no sense not to pursue them if you’re serious about building your wealth.

Use These Strategies to Build Wealth in Your 30’s

There is no time better than the present to start building wealth.

I hope that you learned a little bit about how to build wealth in your 30’s from this post, and I invite you to continue following my blog for more money, investment, and financial strategies to help support your long-term goal of being rich!

Disclaimer: Not Financial Advice! Represents methods used by the author and in no way makes any guarantees of getting rich.

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How to End the Year Like the Wealthy Do

By Julie Murphy • December 10, 2025

Reset Your Money Energy for 2026 Every December, we all feel that pull, the desire to “be better with money next year.” But here’s the secret I’ve seen again and again after nearly three decades of walking alongside people from all walks of life: Financially wealthy people don’t just plan their next year — they energetically complete the one they’re leaving. They close loops. They clear emotional residue. They realign their energy field before they set a single goal. And you can absolutely do the same. As I share in The Emotion Behind Money , wealth is never created by logic alone. It comes from managing the emotions behind your money and understanding that money itself is energy. And in Awaken Your Wealth , I remind readers that energetic shifts begin when you consciously picture yourself stepping into a new reality, while compassionately acknowledging the one you’re standing in now. So let’s walk through the simple year-end process I teach my clients — one that spiritually, emotionally, and financially resets your money field for a powerful 2026. 1. Review Your 2025 Wins & Losses With Compassion Before you step into the new year, look back with the most loving, nonjudgmental eyes possible. I call it neutral observation . Wealthy people don’t spiral into shame when something didn’t go perfectly. They get curious. Ask yourself: Where did I expand financially this year? Where did I contract emotionally or economically? What choices were truly aligned with my values? Which ones came from fear, scarcity, or old patterns? In Awaken Your Wealth , the “Accepting Reality and Awakening” step of PACT teaches that awareness without judgment is how we break old money patterns for good. So breathe. Notice. Write it down. No shame. No spiral. Just truth. 2. Forgive Any Money Mistakes Here’s a truth most people never consider: Every financial mistake carries emotional weight and emotional weight blocks money flow. From my work in The 4 Spiritual Laws of Money , we know that your heart’s energy is more powerful than your brain’s logic, and intention is what redirects energy back into alignment. Forgiveness, of yourself, your past self, or others involved, releases stagnant money energy. Try this: Write down any money decisions from 2025 that still feel heavy. Place your hand on your heart. Say: "I forgive the version of me who made this choice. She/he did the best they could with what they knew at the time.” Forgiveness isn’t about letting mistakes slide. It’s about resetting your emotional money field so you can co-create something new. 3. Create an Energetic Closing Ceremony for the Year This is where wealthy people truly separate themselves; they honor the transition. You can create your own year-end ceremony using whatever resonates from your spiritual toolkit. Here are a few ideas inspired by the intention-setting and clearing practices throughout my work: Light a candle Symbolize releasing the old year and calling in the new. Write a “completion list” Include everything you’re ready to release: debts you’re no longer carrying shame over, relationships you’re energetically cutting cords from, patterns you’re finished reenacting. Burn or bury the list This physical act tells the Universe: “I’m done living from this version of myself.” In The Emotion Behind Money , we explore how inherited beliefs and emotional patterns repeat until they are consciously released. This ceremony is your line in the sand. End with intention Close with one powerful intention for 2026, aligned from your heart: “I choose a new flow of abundance.” “I trust that money comes to me with ease.” “I allow myself to receive the wealth I’ve been working toward.” As The 4 Spiritual Laws of Money reminds us: “The Universe responds to action.” Your ceremony is your spiritual action. Ready to Step Into 2026 Aligned, Clear & Empowered? If you’re craving deeper support with your financial reset, join me for my Emotions Behind Money Workshop in January. If you’ve been feeling the nudge to recalibrate your relationship with money, this is your moment. Let’s make 2026 the year your inner wealth and your financial reality finally match. You deserve abundance and you’re closer than you think. With love, alignment & a whole lot of possibility, Julie ✨