Your 20s and 30s are the perfect time to lay the foundation for long-term wealth. Decisions made during these years can pave the way for financial security, and remember—it’s never too soon or too late to begin. Here are the top 10 tips to get you on the right track.

To begin, make saving a top priority. Even small amounts add up, so aim to put aside at least 20% of your income into savings or investments.

The second step is to establish a budget and follow it consistently. Knowing where your money goes ensures you stay in control of your finances.

Be sure to save for emergencies—having three to six months’ worth of expenses set aside is a reliable target.

Investing early is another critical strategy. The magic of compound interest is most powerful over time, so don’t delay investing.

Continuously educate yourself on personal finance, resist lifestyle creep, and online financial advisor spend less than you earn. Adopting these tips will grow your wealth and solidify healthy financial practices for the long haul.