The prudent plan depends quite a bit on the individual -- whether the 30-something someone is single or married, has children, is buying a house, planning to return to school, etc... In general, I'd advise:First pay off any consumer debt. Immediate return.Live below your means and start to save regularly. If you have a retirement plan that your employer matches, participate in it.If you're eligible to contribute to an IRA, compare the benefits of Roth/traditional.Build up an emergency fund in a money market. When you're comfortable with that, investigate investment options.
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