In your 30s, responsibilities pick up. You’re likely to buy your first home and grow your family. Marriage, a mortgage and little mouths to feed can drain your earnings. Even the family dog eats a portion of your paycheck. It’s easy to think that saving for retirement is impossible in your 30s, but it should remain your top priority, especially as your pay increases. You’ll need to work hard to balance spending with saving.

Source: www.bankrate.com