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Protecting your skin from the sun shouldn’t have you dipping into your 401(k)—and if you want to enjoy retirement and look good doing it, you’re going to want to invest in solid SPF products. We’ve said it before and we’ll say it again: SPF 30 on a daily basis is a must. Lucky for you, we’ve rounded up the ten best moisturizers with SPF 30 under $30. You can now soak up the sun and save for your retirement home in Boca at the same damn time.

No. 7 Protect & Perfect Intense Advanced Day Cream SPF 30

If your skin is already on its way to maturity, this day cream is a thicker formula that’s ready to work hard to reduce deep and fine lines currently in place while protecting your skin from future damage. Plus, it has firming agents meant to improve skin’s elasticity. It’s basically working a double shift so you can leave the house without worrying about sunburn.

Buy Now ($25)

Olay Sun Facial Sunscreen + Shine Control SPF 35

Olay’s moisturizer game is strong, so it’s no wonder the brand also excels at sunscreen. Olay Sun Facial Sunscreen + Shine Control feels less like a blanket of goop on your face and more like a light veil, gently shielding you from the sun while infusing your skin with hydration. The secret? Vitamin B3, antioxidants and no oil.

Buy Now ($20)

Mineral Fusion Mineral SPF 40 Moisturizer

This is another example of a product working overtime to undo damage done and stop damage yet to come. Some of the (all vegan) ingredients include shea butter, jojoba, hyaluronic acid and powerful antioxidants, all of which moisturize as they protect. Plus, peptides encourage cell renewal, an important step to reversing the signs of aging.

Buy Now ($25)

Neutrogena Visibly Even Daily Moisturizer SPF 30

Neutrogena makes tons of hard-core sunscreens to wear at the beach, but it’s also well versed in the art of subtle moisturizers. Visibly Even Daily Moisturizer evens and brightens skin tone as it battles UVA and UVB rays. It’s ideal for sensitive skin, blotchy complexions and age spots, but it works for just about anyone looking for a solid SPF primer.

Buy Now ($13)

Aveeno Positively Radiant Sheer Daily Moisturizer SPF 30

Breathability is Aveeno’s motto, and this is one of the only moisturizers on our list that boasts about healing dry winter skin. Yes, there’s sun in the winter, and yes, UVA and UVB rays penetrate clouds. Its total soy complex reduces dark spots and evens tone without getting greasy or clogging pores.

Buy Now ($14)

Mario Badescu Oil Free Moisturizer SPF 30

As one of the brand’s best sellers, Mario Badescu’s Oil Free Moisturizer with SPF 30 brings green tea extract to the table. Adding this product to your daily routine is said to increase skin hydration and decrease signs of aging—including acne marks, which is incredible because acne-prone skin can be extra sensitive to both sunshine and sunscreen.

Buy Now ($28)

Cetaphil Pro Oil Absorbing Moisturizer SPF 30

If you’ve got oily skin, sunscreen can be a nightmare. Luckily, Cetaphil hears you, sees you and makes Pro Oil Absorbing Moisturizer for you. As it protects with SPF 30, it also mattifies yourskin so you feel fresh enough to leave the house and safe enough to walk under the sun.

Buy Now ($14)

ROC MULTI CORREXION 5-IN-1 CHEST, NECK & FACE CREAM SPF 30

This moisturizer touts the importance of also slathering SPF on your neck and chest (or your décolletage, if you’re fancy). As an anti-aging product, it uses “exclusive Hexinol technology” to shrink fine lines. As a moisturizer, it infuses dry skin with vitamin E to give you a healthy glow. After four weeks, RoC claims users see younger-looking skin.

Buy Now ($20)

Paula’s Choice Skin Balancing Ultra-Sheer Daily Defense SPF 30

Though this product works wonders on oily skin (it mattifies and keeps oil in check), it’s also well suited for combination or dry skin as it uses vitamin C, aloe, green tea and panthenol—a provitamin of B5—to deeply hydrate and restore skin.

Buy Now ($29)

Burt’s Bees Renewal Firming Day Lotion SPF 30

This Burt’s Bees day lotion absorbs quickly so it can get all 98.9% of its natural ingredients into your skin for ultimate hydration and protection. Tell us when to stop: cell plumping, moisture locking, skin firming, wrinkle smoothing…OK, we’re stopping ourselves so we can go buy some right now.

Buy Now ($20)

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