I found this article on Kiplinger and think it’s relevant, not just to people who haven’t turned 30 yet, but also for people who may be running a bit behind. Here are the 8 things it recommends you do:
Identify your goals
Start an emergency fund
Pay off credit cards
Set up a strategy to pay off student loans
Take calculated risks
Most of these (with the exception of the last one) are things we should all be doing. Luckily I stumbled in to doing most of these before I was 30 (about 25 actually), which really helped my situation.
Go check out the article at: http://www.kiplinger.com/personalfinance/columns/starting/archive/2005/st0811.htm