Just turned 30 with zero savings and emergency fund

Just turned 30 with zero savings and emergency fund What are the changes you made on your finances at this age that helped you a lot? The last decade was a little messy, I did have savings but "friends" asked me to help them several times especially during & after pandemic. But until now these two friends haven't paid me and it seems they don't have any plans because they always say I am single a...

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