If wisdom comes with age, we should be making smarter money moves as we embrace each decade of life. Our money priorities change as we grow, from figuring how to pay off student loan debt to starting a family and saving to buy a home. And when you hit the big 4-0, things can get a bit more complicated. While there could be more work security and somewhat stable personal money habits by then, it’s not uncommon to also feel conflicted over financially supporting kids entering university and aging parents. That’s not all, this decade is also the crucial window to save enough before hitting retirement.

Here are five key financials moves to consider if you are in your 40s to help get you in tip-top fiscal shape before you reach those long-awaited golden years.

Money To-Do #1: Pumping up Retirement Savings

Being in your 40s, you should probably hit …