Send us a textMaximizing Wealth in Your 30s and 40s: A Step-by-Step GuideIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner and founder of Palm Valley Wealth Management, addresses a critical question for high-income earners in their thirties and forties: 'Where should my money go first?' Hunter outlines a clear and effective order of operations to optimize tax benefits, compounding growth, and retirement flexibility. Steps include ensuring you meet your 401k match, eliminating high-interest debt, establishing a fully funded emergency fund, maximizing contributions to retirement accounts (including Roth IRAs and HSAs), and using a taxable brokerage account for additional financial flexibility. Kelly also discusses the benefits of 529 plans for college savings and shares a client case study to illustrate practical application. The episode emphasizes the importance of having a plan and purpose for your finances to achieve financial independence and possibly retire early.00:00 Introduction to the Podcast01:21 The Importance of Retirement Planning in Your 30s and 40s03:17 Step 1: Maximize Your 401k Match04:58 Step 2: Eliminate High-Interest Debt and Build an Emergency Fund07:45 Step 3: Advanced Retirement Contributions and HSA Benefits11:09 Step 4: The Power of a Taxable Brokerage Account15:24 Step 5: Planning for Your Children's Education16:40 Real-Life Case Study and Final ThoughtsCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

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