Most of the writers target the age 25 to 35 when it comes to personal finance. I thought to ask you why is that? An answer comes to my mind, as it could be because age 25 to 35 is the most valuable range to manage personal finance.

The decision-making border is at the age 25 to 35 about our future. To be realistic the most important and valuable age range of one’s life is considered to be this range. Decision-making at the age of 25 to 35 may affect a lot more than you think in your future, so try becoming a mature personality in making life decisions at this age.

Why do ages 25 to 35 effect making financial decisions?

01. Marriage life starts with that range.

A lovely topic to discuss but not so lovely when it comes to handling finance. Marriage expenses are not the only thing matters here, we have to focus on the fact that we are getting more mouths to feed with our income. The increase in mouths will not be proportional to our income rate. Sometimes we will remain at the same income rate but from the hand spending, it might bit difficult.

Age 25 to 35

People choose this age range to engage in a relationship because after 25 they reach a constant income portfolio. So the liabilities and obligations do not matter.

Basically, marriage is within the top requirements of a person. The correct financial involvement before the marriage, in the marriage, and after the marriage is very important to be considered as a better financial planner.

02. Best age to plan your retirement.

Age 25 to 35 is known as the financial planning age range of one’s life. This 10-year gap is the middle age of a person which can be considered as most effective.

Retirement is a must because we all should go through that season as we get old with our age. The necessary actions to be taken in order to make our retirement beautiful and the best age range to do that is between 25 to 35.

Age 25 to 35

The work lord we can do as young adults is more compared to our little ages and also to our older ages. This is why most financial experts name this age range as the most effective in one’s life.

Most important budgeting tips to follow in age 25 to 35.

01. Practise Smart Income Planning Procedure.

SIP (Smart Income Planning) is a very fine process to centralize your income. This process is about dividing your main income into 3 main categories.

  • Spends
  • Invest
  • Savings

Separate 70% of main income to spends while other 30% to investing and savings. This process can be followed monthly so you can have a clear idea about the behavioral pattern of your expenditure. Try to focus your financial knowledge on savings and investments at the same time so it may help to continue a fine lifestyle even in old ages.

02. Orientate your spending.

A person mainly spends money on 5 basic needs. Food, Shelter, Transport, Health, and Clothing. Most debts like house loans, vehicle loans are inside these categories. To analyze your monthly pattern of expenditure to have a clear idea about how to spend with more savings.

Tracking your spending can give you the best idea for centralizing the expenditure. I look closely you will see how a person can concentrate more on frugal living while interacting with 5 basic spending methods.

Special note – How to save $10,000 within 6 months.

03. Make arrangements to continue an emergency fund.

An emergency fund is a must to practice as a one within the age of 25 to 35. This practice may help you in many ways in your future too.

This emergency fund is better to have except the savings which I mentioned above. Savings should be kept alone while keeping a budgeting technique to continue an emergency fund.

Keep a separate saving to take in an emergency like medical, debt, or any other. Keeping this as a habit can continue this spectacular habit till the end. Your emergency fund is filled means you can live without any issues about life matters.

04. Know your marginal income rate per month.

There you involve in a business or a day job you should have the ability to fix your marginal income rate within a month. That means trying to fix a volume of money so you can have the opportunity to make your monthly budget plan without any difficulties.

But as you increase your monthly income rate remember to increase your marginal rate so you have the chance to broaden up your budget plan. This practice makes sense from age 25 to 35 because the regular practice can continue the behavior till your old age. The pattern can useful for you even you fail to achieve a marginal income rate per month.

05. Focus on your own health as well as your family’s health.

You can be an individual or a family person, no matter what pay special attention when it comes to the topic of health. You might see this as a health tip but actually, it is more of a budget tip than a health tip. I said like that because after the age of 55 more than 75% of citizens pay medical bills daily.

The act can directly cause a downgrade of savings or monthly income volume. If a person fails to focus on their health at the age 25 to 35 which means clearly they save money only to pay medical bills after 55. The best thing to do here is to see your future at the age of 25 to 35.

I mentioned it as a family here because within age 25 to 35 people get married and decide to have kids. So most of your spouse’s or kids’ expenditure flows through your pocket. Medical bills do not have another way to flow through and they too go directly through your wallet. So the best thing to do is be careful with your health as well as your family’s health.

06. Make necessary actions to protect your wealth at the age of 25 to 35.

Protecting wealth means not guarding your wallet box 24 hours, but using bank facilities, insurance facilities. Try to save money in reputed banks that have legal and physical protection. Bank savings can provide you attractive interest rates so consider your rates as same as your protection.

Insurance is another way of protecting your wealth. Insure your properties, Your vehicle and take the benefits of insurance facilities. Insurance is also a protection scheme that can use to protect wealth. The actions you take to protect your wealth at the age 25 to 35 will be more important while you spend your old age.


We do all these things to live our lives without issues. I have to tell you that most decisions you take within the age of 25 to 35 can directly affect your entire life after that. Try to pass some stages of the money circle so you can reach the investing level to earn some passive income. The four ways of making money are as follows.

If you are able to plan your budget wisely at the age of 25 to 35, which means you could reach at least one level of passive income. If we reach this passive income level at our 55th age then very easy to manage our financial stage because at 55th we will not be able to work as at the age 25 to 35. So try your level best to make a constant income generator within the age of 25 to 35.


If I tell you more about Salika Wijesinghe, I was a former General Insurance Analyst, a former customer service associate in a telecommunication network, Former customer service executive in a bank. Now I'm really very happy to share my knowledge with each and every one of you. Also, I represent a kind-hearted world community because I love helping people as well as animals. I hope my ideas are helpful, so you would find it easy to step forward in this life journey.

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