Turning 35 is a milestone. This past December, I reflected on my life and celebrated three accomplishments. The first two? I’m alive and not in jail—victories that are no small feat as an African American male. The third? I consider myself financially healthy, and I believe anyone can achieve the same.
Here are 10 benchmarks that helped me reach financial health by 35.
1. The First Milestone
By 35, being in a career—not just a job—signals stability. Earning an income consistently is a victory itself. Landing and sustaining work is challenging, but if you’re in a role where you can grow, you’re on the right path.
2. The Extra Boost
One income is good; more is better. A side hustle adds extra money for saving, investing, or living life to the fullest. Multiple streams of income provide a safety net that makes financial health much more achievable.
3. The Foundation for Growth
An investment—big or small—shows you’re thinking about the future. Whether it’s an index fund, life insurance, or real estate, having at least one sets you on the path to financial security.
4. The Secret to Stability
Life gets expensive, and managing relationships isn’t cheap. With one loyal partner, you’ll save time, money, and energy while building a supportive foundation. Peace and financial health often go hand in hand.
5. The Safety Net
Your resume is more than a list of jobs—it’s your safety net. Keep it updated and packed with skills that showcase your value. Being prepared for career changes is crucial for long-term financial health.
6. The Unexpected Game-Changer
A comfortable bed might not seem related to finances, but sleep is everything. Rest well, and you’ll wake up ready to tackle the challenges of work, side hustles, and life. You deserve this simple luxury.
7. The Unseen Power
Faith is a powerful tool. Believing in your ability to succeed can guide better decisions and attract more opportunities. A positive mindset creates financial and personal growth.
8. The Magic Number
A 700+ credit score unlocks doors. From better loan terms to rental approvals, good credit is essential for financial health. Think of it as a scorecard—aim for the highest number possible.
9. The Compass
By 35, your priorities should align with your goals. For me, it’s my career, wife, and daughter. Focus on what brings you happiness and income while letting go of distractions.
10. The Mirror of Your Life
A clean home reflects an organized mind. It’s a space where you can think clearly, stay motivated, and manage your finances effectively. Keeping your space tidy helps you stay in control.
The Bottom Line
These 10 milestones are guideposts to achieving financial health in your 30s. Whether you’re building wealth, stabilizing your career, or just trying to save more, these principles provide a foundation for less stress and more success.