Once you’re an adult, you’ll be making financial and investment decisions for the rest of your life. Let’s look at some of these moves.

In your 20s and 30s, try to get on a sound financial footing by paying off your student loans and starting to save for retirement through your 401(k) and IRA. If you’ve got young children, you’ll probably need life insurance, and you also may want to start saving for college.

Once you’re in your 40s and 50s, your career may well have advanced, leading to a higher salary. The more you earn, the more you can put in your 401(k) or similar plan.

Then, when you reach your 60s and beyond, you’ll need to make decisions related to your retirement. For example, you should calculate how much you can withdraw from your retirement plans each year without outliving your resources.

Clearly, you’ll always have plenty of investment and financial choices – so, put in the time and effort, and get the help you need, to make the best decisions you can.