Our priorities shift when we become financially independent adults. We work hard to not only sustain ourselves for the present, but to also save up for the future. You have spent your 20s establishing a solid financial foundation.

Now, the financial steps in your 30s should focus on continuing to your wealth while striving to protect it. But what can you do to achieve financial security within this decade of your life?

Aim for career advancement

You have developed a marketable skill in your twenties. Now that you are in your thirties, you need to apply that skill to earn more. Research the career paths that are suitable for employees with your skill, and identify the jobs and companies where you could fit.

To further boost your chances for career advancement, you may also consider going back to school and getting an advanced degree. You can also take free online courses to hone your existing skills or acquire new ones that are helpful in your line of work. If you feel that your options are limited in your current location, move to a city that offers more opportunities in your field.

At this point, you may also be considering a career shift. However, you need to remember that, while a sharp career turn may be worthwhile, it is also extremely risky. To maintain steady budgeting while you are changing your career course, you need to come up with a solid financial plan to support you while you are developing new skills and/or are in between jobs.

Increase your emergency funds

When setting up your emergency fund balance, your goal is to maintain up to six months’ worth of living expenses. Now that your income and expenses are going up, the amount in your emergency fund should increase, as well. To help keep your emergency funds growing, look into different ways to earn more interest on your savings.

Adjust your insurance coverage

Your growing assets require more insurance. If you are renting a bigger or more private space now that you were in your 20s, you need to get a renter’s insurance if you haven’t already. When buying a new house or car, get home insurance and auto insurance. You also need life insurance for loved ones who are financially dependent on you.

Even if your situation hasn’t changed since your 20s, you still have to occasionally reshop your insurance policies to ensure that you are getting the best deal. If you are changing jobs, you have to understand your new benefits and health insurance premiums, and how they differ from those at your previous company.

Pay off non-mortgage debts

You came up with an effective debt repayment plan in your twenties, and you should stick with it throughout your thirties. Continue or increase your budgeting to pay off student loans if you haven’t already. You have to enter your forties with a focus on building your nest for the future, instead of paying off debts from your past.

There are different challenges in every stage of our lives, and we need to stay prepared for all of them. By following this guide to help you make financial decisions in your 30s, you are giving yourself a more financially comfortable decade, while setting up a financially secure future for yourself and your loved ones.