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Charlie Munger: Your 30s Are When Financial Mistakes Start to Cost You Your thirties are often the most confusing financial stage of life. You work harder than ever, yet progress feels slower — not because you’re lazy, but because earlier choices are starting to produce results. This video explores why financial mistakes in your 30s feel heavier than before, and why money begins to respond more clearly to the decisions you made in your twenties. At this stage, pressure increases from every direction: career expectations, family responsibilities, lifestyle comparisons, and the temptation to move faster using debt or leverage. Many people experience stagnation not because they stopped trying, but because cash flow can no longer support risky choices. Understanding financial mistakes in your 30s means seeing how income, debt, and stability interact beneath the surface. Pressure, Stagnation, and Opportunity Understanding cash flow: Cause and effect Wanting to move fast - Learn to move slowly We also examine why some people appear successful while carrying fragile cash flow, why borrowing magnifies both progress and failure, and why impatience often leads to decisions that take years to recover from. These financial mistakes in your 30s don’t happen overnight — they accumulate quietly through small compromises and delayed discipline. Your thirties are not the end of opportunity. But they are the stage where every decision begins to carry a clear price. When you understand financial mistakes in your 30s, you gain clarity about what foundation you’re actually building — and whether it’s strong enough for what comes next. If this stage of life feels familiar, subscribe to Munger And Money for calm, long-term conversations about money, cash flow, and financial decisions across different life stages. #MungerAndMoney #FinancialMistakes #MoneyInYour30s #PersonalFinance #CashFlow #LongTermThinking