Uploaded July 2026 | Updated September 2026, 3 weeks ago

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Thanks so much to our partners at Monarch! Get 50% off Monarch's Core Plan with our code 'TFD50': bit.ly/44MrLCT

Chelsea talks about the milestone of turning 30: how much of its weight is entirely made up, and *also* how to view it as a turning point to get your finances in order. If you're turning 30 (or already past it) and don't have anything saved, this video is for you.

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SOURCE LINKS:

investopedia.com/how-many-people-in-their-30s-lack-a-retirement-account-and-why-it-matters-for-their-future-11983968

investopedia.com/why-26-percent-of-americans-are-spending-beyond-their-means-as-financial-pressures-mount-11983948

investmentnews.com/retirement-planning/emergency-savings-gaps-are-quietly-draining-american-retirement-accounts/267120

https://www.nar.realtor/press-releases/first-time-home-buyer-share-falls-to-historic-low-of-21-median-age-rises-to-40

fidelity.com/learning-center/personal-finance/retirement-or-house

census.gov/newsroom/press-releases/2025/families-and-living-arrangements.html

00:03:50 Our favorite budgeting app
00:04:57 Understand why you don't have savings
00:08:45 Decide budget tweaks you can make today
00:11:00 Make long-term changes
00:13:29 Make a plan to save your first $1,000
00:15:35 Plot your next steps
00:17:55 Have your big money conversations before getting married

Other TFD videos mentioned here:

youtube.com/watch?v=9XMpD_Vj7jU&
youtube.com/watch?v=ZwDrPliID-g&t=55s&pp=0gcJCUwLAYcqIYzv
youtube.com/watch?v=gRT4QiMbysk&