Your 30s are often the decade of financial awakening. You’re earning more, possibly starting a family, and beginning to think seriously about the future. Here are the top questions financial planners hear from 30-somethings — and why they matter.

1. “Am I earning enough to build wealth?”

Many 30-somethings feel like they’re behind — even if their income is solid. This question usually stems from uncertainty around lifestyle costs, saving habits, and inflation. A planner helps assess if your income supports your goals and whether tweaks are needed.

2. “How much should I be saving each month?”

This isn’t just about how much, but where. Whether it’s for a home, children, travel, or retirement, advisers help break it into actionable savings buckets — short, medium, and long-term.

3. “Is it too early to think about retirement?”

Not at all. Compound growth is your best friend in your 30s. Financial planners often use this question to introduce superannuation strategies, salary sacrifice, and long-term investing.

4. “Should I buy property or invest in shares?”

Property feels safe, but shares may offer greater liquidity and returns. This question reveals risk tolerance, timeframes, and borrowing capacity — all critical for building a tailored strategy.

5. “Do I really need life insurance?”

With kids, a mortgage, or a partner, the answer is often yes. But the right type (life, TPD, trauma, income protection) and amount vary. Advisers help cut through insurance jargon to protect what matters.

6. “How do I get out of debt faster?”

Whether it’s a HELP loan, car finance, or credit cards, this question speaks to cash flow stress. Planners use budgeting tools and debt stacking strategies to speed up repayment and free up cash.

7. “Should we combine finances?”

A common question for couples in their 30s. Combining finances requires trust and transparency. Financial planners help set up systems — from joint accounts to household budgets — that work for both partners.

8. “Are we ready for kids financially?”

There’s no perfect time, but planning helps. From parental leave to childcare costs and education funds, advisers map out the cash flow and insurance implications of starting or expanding a family.

9. “What should I do with my super?”

By 30, most Australians have multiple super accounts. This question is often about consolidating funds, choosing the right investment option, and checking for unnecessary fees or insurance.

10. “How do I start investing?”

They want to know how to start safely. Financial planners help demystify shares, ETFs, property trusts, and robo-advisers, showing how to match investments to goals and risk profiles.