What are the key financial priorities in your 30s?

In your 30s, you likely face bigger financial decisions: buying a home, supporting a family, and accelerating retirement savings. Key priorities: max your Roth IRA ($7,000/year), increase 401k contributions, pay down your mortgage aggressively if you have one, establish term life insurance if you have dependents, and ensure your emergency fund covers 6 months of expenses given higher obligations.