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Your 30s can feel like a financial tug-of-war—student loans, mortgages, childcare, career moves, and even the first itch of practice ownership all competing for the same dollars. CJ and Tom break down how to set clear priorities, build a right-sized emergency fund (not a one-size-fits-all $1,000), and save while paying down debt so you’re not negotiating “this or that” when “this and that” is possible with a plan. They also cover boundaries to avoid burnout, why insurance and basic legal docs matter now, and a simple target to automate 20% of income toward assets that produce future cash flow. If you’re making more than ever but still feel paycheck-to-paycheck, this one’s for you.

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