The 3 Money Moves Every 28 Year Old Must Make Before 30

October 06, 20251 min read
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Most 28-year-olds are making the same silent mistake — they’re earning more but not actually building wealth.

In this video, I break down the 3 money moves every 28-year-old must make before they hit 30. These aren’t flashy hacks or get-rich schemes. They’re the simple, foundational shifts that separate people who quietly build freedom… from those who wake up at 40 wondering where all their money went.

Here’s what we’ll cover:

How to stop lifestyle creep before it eats your future.

The first real asset you need to start NOW (no matter the size).

Why a “Freedom Fund” matters more than chasing hot investments.

👉 Want to get ahead of the curve? I’m putting together a free program called LEARN, where I’ll walk you through the exact foundations step by step. It’s not live yet, but you can join the early access waitlist here: [Insert Link]

🔔 Don’t forget to subscribe for weekly insights on building real wealth without the hype.

💬 Question for you: Which of the 3 moves do you think you need most right now? Drop it in the comments — I read every one.

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Salena Kulkarni

On my YouTube channel, I share key takeaways from the books I read and the lessons I learn along the way. From productivity tips to business insights and life advice, it’s all about growing and improving together.

For the 20+ years I have been supporting others to walk the path towards financial independence by sharing strategies, tools, insights and wisdom normally coveted by the wealthy.

As a Chartered Accountant and private investor, I created I Can Be Wealthy to fill the gap I wish someone had filled for me when I was starting out: real-world financial education for people who weren’t born into money.

My own journey wasn’t smooth. I spent years working hard, earning more, but never feeling ahead.

I saved for 7 years to buy my first home, made every money mistake in the book and nearly gave up more than once.

But through trial, learning, and eventually investing wisely, I built financial freedom and now I help others do the same, faster and with fewer detours.

This isn’t just about money. It’s about giving people back agency, confidence, and a life with real choices.

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Written by a Chartered Accountant with 25+ years of experience. No fluff. No guilt. Just what works

Every week I share, my notes from the field, and ideas that will help you break free, build a real plan, and start creating a future you actually want.

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