How much money should you have saved by age 30?

Just in case you're not already worried enough about the state of your finances, check out this well meaning but quietly devastating advice from finance expert Kelly Smith.

A writer for The Penny Hoarder, Smith told ATTN that by the time you're 30 you should have six months worth of expenses saved up.

"I think the goal at any age is to get to the point of having six months of living expenses saved up. Admittedly, it's harder in your twenties but it's a good time to start," Smith said.

Obviously "six months of expenses" is a relative concept, but given the average cost of living is estimated to be around $2,300 a month, that means you should have $13,800 in your bank account right now.

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