After spending our 20s getting acclimated to the adult world, by our 30s many of us feel like we have solid footing. Maybe by this time you feel financially sound, but maybe additional financial responsibilities such as children and home ownership have been added to the mix. Regardless of your situation, there are some basic financial tips that can help you navigate your 30s.

Advance your career. Your 20s were mostly occupied with you developing marketable skills than could help you get started on a career. Now that you're on a path, it's time to push forward. You could consider moving to a city with more opportunities or taking a few courses to help boost your resume or abilities. Go hard at your savings. You probably have an emergency fund that was sufficient for your 20s, but as time and expenses change, so does your need for a backup plan. Pump up your savings to match your living cost. Remember, have six months' worth of expenses to ensure you're covered in case of job loss or another hardship. Adjust your insurance coverage. As your assets grow, your insurance coverage might have to as well. Even if your situation hasn't changed, you should still check your insurance policies periodically to make sure you're not only getting the best deal but more importantly that you have sufficient coverage. Save at least 15% of your income for retirement. This might seem like a lot, but if your employer has a matching program, it counts, too. Say they match 4% -- that means you only have to contribute 11% to reach the 15% goal. Pay off non-mortgage debt. This way, you'll enter your forties worried about the future, not the financial mess you created in your past. Write a will and healthcare proxy. Wills are important as your assets grow, regardless of whether you have children or not. If you don't designate who receives your savings when you pass away the money might not go to who you want it to.