04/09/2026
Financial goals for your 20s
Establish a consistent income and good spending habits.
Sustain (and live with) a budget.
Eliminate debt (credit cards or loans), beginning with debt that has the highest interest.
Enroll in a 401(k) and remember to contribute enough to receive the maximum employer match.
Begin to develop an emergency fund to help prepare for any unexpected financial situations.
Open savings accounts for big expenses and accounts for retirement.
Retirement goals for your 20s: Some experts recommend socking away funds equivalent to one year of your annual salary or saving 15 to 25% of your pay as you receive it.