If you are still in your thirties you can greatly increase your investment opportunities. Don’t stick to only 401(k) or IRA which will tax you heavily later but consider diversification into a Roth IRA. Don’t spend too much on things you don’t really need, which may impact your later retirement income and plan for your future healthcare needs.

Key Takeaways:

• Stay in the stock market and take measured risks
• Don’t live a luxury lifestyle now at the expense of retirement when you want it
• Make diverse investments, not just in the industry you work in

“If you can swing it, great, but don’t let these lifestyle temptations come at the cost of a happier retirement”

http://www.businessinsider.com/money-tips-30s-for-lifelong-financial-success-2016-11?r=UK&IR=T