: Maintain 3–6 months of essential living expenses. 🧠 Mental & Social Well-being

: Process "baggage" now to avoid a mid-life crisis later. 🛠 Professional Strategy

: Prioritize 401(k) matches and IRA contributions.

: Negotiate for flexibility rather than just higher pay.

You are likely moving from "doing" to "leading" or specializing deeply.

This is the "accumulation phase" where compound interest is your best friend.

: Muscle mass begins to decline; lift weights twice weekly.

Your metabolism and recovery times begin to shift in your mid-30s.