Want financial freedom before 30s? CA shares important money habits to build your wealth

Striving for financial freedom before your 30s isn’t just smart—it’s game-changing. The earlier you understand how money works, the faster you can stop living paycheck to paycheck and start letting your wealth work for you. Building the right habits now can set you up for freedom, security, and options that most people spend decades chasing. From controlling spending to boosting income, mastering these skills early turns money from a stress factor into a tool that actually works for you.

CA Nitin Kaushik recently shared six essential money skills everyone should master before hitting 30.

Networth

First up: your network is your net worth. Surround yourself with people who inspire growth—lawyers, investors, bankers, or entrepreneurs—because the right connections open doors, money alone can’t.

Invest in yourself
Next, invest in yourself. Millionaires swear by this. Reading, exercising, learning new skills, joining communities, and listening to podcasts all give exponential returns over time. No stock or asset can outperform self-investment.

Control your spending

Controlling your spending is non-negotiable. Society pushes you to splurge and show off, but financial freedom comes from paying off debt, building an emergency fund, and letting money work for you—rather than flexing on Instagram.

SIPs
Then comes paying yourself first. Treat investments like a non-negotiable bill. Automate SIPs and recurring investments so your money becomes your employee, not the other way around.

Increase your income

Increasing your income is a game-changer. Don’t wait for raises—ask for them, switch jobs, start a side hustle, or learn a high-income skill. More money means more freedom, more options, and more security.

Creating budget

Finally, create a budget that actually works. Track every rupee, distinguish between needs, wants, and wishes, and invest the surplus. Financial clarity beats flashy living every single time.