FOX Business Network's Dave Ramsey has smartest ways to save in your thirties and advice for newlyweds:

• Agree About Money Before You Get Married
Men and women view money differently. Men see it as a scorecard and women see it as security

• Have a Monthly Budget Committee Meeting
If one of you is a nerd: Listen, take input and keep the meeting brief. If the other is a free spirit: Show up, give input and be realistic.

• Configure a Budget

• Use the Debt Snowball to Get Rid of Debt

• Build an Emergency Fund to Cover 3-6 Months of Expenses

• Invest 15% of Your Income in Mutual Funds to Build Wealth

• Invest for College Funding

• Pay Off Your Mortgage