As we navigate adulthood, our 30s can be a pivotal decade for financial decision-making. Whether you’re establishing a career, starting a family, or striking out on your own, the financial choices you make now can have a lasting impact on your future. Here are ten common financial mistakes to avoid in your 30s, so you can set yourself up for long-term success and stability.

First, neglecting to save for retirement. Many people in their 30s mistakenly believe they have ample time to start saving for retirement. However, compound interest works its magic over time, and the earlier you begin, the more you can benefit from it. Make sure you’re contributing to a retirement account, such as a 401(k) or IRA, and take advantage of any employer-matching programs available to you.

Second, carrying high-interest debt. Whether it’s credit card debt or high-interest loans, the longer you carry this burden, the more it will cost you in the long run. Focus on paying off these debts as quickly as possible to free up your finances and reduce the overall cost.

Third, insufficient emergency funds. Life is unpredictable, and unexpected expenses will arise. Without an emergency fund, you may find yourself relying on high-interest credit cards or loans to get by. Aim to save enough to cover at least three to six months’ worth of living expenses.

Fourth, falling for get-rich-quick schemes. Your 30s may bring a heightened sense of financial urgency, making get-rich-quick schemes seem appealing. However, these schemes rarely deliver on their promises and often come with significant financial risks. Stick to tried-and-true investment strategies and consult a trusted financial advisor if you’re unsure.

Fifth, overspending on discretionary items. It’s easy to get caught up in the thrill of spending on non-essential items, whether it’s eating out frequently, impulse purchases, or lavish vacations. While treating yourself is important, ensure that your discretionary spending aligns with your financial goals and doesn’t hinder your ability to save or pay off debts.

Sixth, inadequate insurance coverage. Ensure you have adequate health, life, disability, and property insurance. Not having enough coverage can leave you financially vulnerable in the event of an accident, illness, or unforeseen circumstance. Review your policies regularly and adjust them as necessary to fit your needs.

Seventh, co-signing loans without caution. Co-signing a loan for a friend or family member may seem like a harmless favor, but it can have severe financial consequences. If the primary borrower defaults, you’ll be on the hook for the debt, which can damage your credit score and affect your ability to obtain loans in the future.

Eighth, neglecting to invest in yourself. Your earning potential is one of your greatest assets. Invest in your education and professional development to increase your knowledge, skills, and earnings. Whether it’s taking courses, attending conferences, or networking events, these investments in yourself can pay dividends throughout your career.

Ninth, not seeking professional help. Financial planning can be complex, and it’s easy to make mistakes or miss opportunities. Consider working with a certified financial planner or advisor who can provide personalized advice and help you navigate the complexities of investing, tax planning, and insurance.

Lastly, not adapting to life changes. Your financial plan should be flexible and adaptable to accommodate life’s twists and turns. Whether you’re getting married, having children, changing careers, or experiencing a financial windfall, review and adjust your financial strategy to fit your evolving needs and goals.