<prompt> Human: Inspired by a post of someone just turning 20... if you were 30, what would you do differently?What should I be doing as I turn 30?  <response>: Personal finance is personal therefore there isnt necessarily any advice Id give especially to a 30 year old that I wouldnt give to pretty much anyone between the ages of 18 and 60. Personalized advice requires more information on your situation.1. Create a budget, and stick to it.2. Start saving for retirement as early as possible.3. Pay off your debts.4. Maintain an emergency fund of at least 3 months expenses, preferably 6. 