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It sounds like a dream come true right?  Quit your job at thirty and spend the rest of your life with your feet up.

Yeah right… 🤨

But people are really doing it!

Initially fueled by the Financial Independence, Retire Early (FIRE) movement, which is a concept dedicated to extreme savings and investment of money to allow people to retire at a much younger age than traditionally expected.

Following this, there has been a wave of millennials who have managed to create a business, save money to the extreme and invest that money allowing them to quit working by the age of thirty.

I’m not saying it’s easy… but it is possible 🤩

So today I have put together a list of seven key habits of people who manage to retire before the age of thirty, that are an integral piece of the puzzle that’s allowed them to achieve such a monumental goal.

7 Habits Of People Who Retire At 30


There’s no getting around this – working for somebody else will keep you poor.  There are exceptions of course. You may work your way up the corporate ladder and by the time you’re in your late forties, you might be high up enough in your role to be earning a six figure salary… but that’s probably not what you had in mind given that you clicked on this post…

At the end of the day, if you work for somebody else, you’re trading your hours for dollars, your earning potential is in the hands of somebody else, and you can’t be in charge of your own success.  You’re also more than likely spending every day doing something you’re not passionate about.

Truly successful people build businesses around providing products and solutions to people looking to solve their problems and make a big old buck doing so!


Budgeting, frugality and saving your pennies makes a big difference.  People who live financially free by the age of thirty, generally spend their twenties working super hard and cutting back their expenses to just the essentials.

There is no space to waste money on daily Starbucks, the latest fashion trends and other materialistic tat if you want to live a prosperous and comfortable life beyond your twenties.


The richest people in the world are said to have at least 7 streams of income.  For example, you might have the salary that you earn at your job or business, then a second evening job such as babysitting or bartending.  Thirdly, you could include dividends from investments, rental income from property, affiliate income from sales through online platforms and so on… 

Each of these streams don’t need to provide a full time wage, but if you have money coming in from multiple different sources (particular passive income) then you can grow your wealth gradually, and know that you always have money coming in to cover your bills should your main job take a dive.


Learning is one of the most valuable ways that you can invest in your development.  The wealthiest percentage of people in the world will constantly be found reading books and listening to podcasts all about personal finance, investments, business, marketing, sales etc.

Knowledge is power and the more you know about money, wealth and other subjects, the more you can practice good habits and provide value to those around you.  


Credit cards and loans are a no-no if you want to quit working while you’re young.  Bad debt will keep you living paycheck to paycheck and the high interest on this type of debt will make it really difficult to ever pay if off.

Borrowing money for a new car, holiday or other frivolous purchases needs to stop if you want to build wealth.

The only type of debt that you want to consider is property and business investments, which are going to grow in value and generate cash flow at a much faster rate than what the interest might cost you.


Don’t be afraid to take risks to build your wealth. That doesn’t mean being irresponsible, but for example, if you want to start a business but your family aren’t encouraging you, just go for it!  

Change isn’t scary, and the biggest growth happens when you step outside your comfort zone.  

Take risks: start that business, create a YouTube channel, quit your job to work for yourself…. As long as you have a plan and a strategy in place for how you are going to make things profitable, then there is no harm in going after what you really believe in. 


Lastly, successful people wake up early.  Whether it’s to work out, meditate, or get in a couple of hours of extra work before other demands cloud your mind, a couple of extra hours in the morning will go a million miles in getting you to your end goal.

If you want to start a blog but you already work a full time job, then wake up two hours earlier and write for your blog first thing in the morning before you head to the office.

It might take a lot of effort at first, but if you really want to make it work then you will go to bed and wake up early, instead of hitting the snooze button.

To Finish Off…

I hope you enjoyed this post and that you’ve been inspired to spend your twenties working super hard and smart so by age thirty you can sit back and enjoy your life rather than being stuck behind a desk for centuries.

Let me know in the comments your favourite habit in this list and what are your top tips for saving money and building wealth in your twenties.

I hope to see you back here soon for more personal finance and lifestyle tips!

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