Taking care of your money is an important part of caring for your whole self. Setting actionable goals to improve your finances can lead to improvements in other areas of your life as well. This five-part series maps out some key financial goals you may want to set for each decade of your life. Part 1 outlined which money moves to tackle in your 20s. Part 2 focuses on the financial targets you may want to set in your 30s.

As you move from your 20s to your 30s, it’s natural for your priorities to begin to shift. You may be ready to settle down and get married, buy a home or start a family.

These kinds of life changes require some savvy financial planning to make sure you can enjoy the next phase without stressing over money. If you got into the habit of making financial self-care part of your regular routine in your 20s, you can continue it in your 30s by setting these four goals.

1. Step Up Your 401(k) Contributions

By age 30, you should aim to have at least one year’s worth of salary set aside for retirement, according to Fidelity Investments. By age 40, that amount should be tripled, with the goal of having 10 times your income saved by age 67.

It’s a little daunting, right? Especially if you’re paying off student loans or you’re still getting settled in a career track. But it’s possible to enjoy a comfortable retirement, no matter where you’re starting from.

The best place to begin with retirement saving is your employer’s retirement plan. Consider your current 401(k) contribution rate. You should at least be saving enough to receive the company match.

If you’re not, review your budget and spending to see if it’s feasible to raise your contribution rate. An easy way to make that work is increasing your contributions to coincide with your annual raise. Ideally, you eventually want to be saving between 10 and 15 percent of your pay each year.

You may also want to look beyond your workplace plan. For example, if you opened an IRA in your 20s, review your contributions to see if you can notch them up. Every dollar you can save now is money that can grow until you need it in the future.

2. Get Mortgage-Ready

The median age for first-time home buyers is 32, according to the National Association of Realtors (NAR), so if you’re just entering your 30s, you’re right on schedule for venturing into the housing market. There are two main financial goals to focus on here: building your down payment and getting your credit in shape.

The median down payment for first-time home buyers in 2017 was 7 percent, says the NAR. That’s double the 3.5 percent down you’d need to qualify for an FHA loan, but well below the 20 percent down payment that’s recommended to avoid private mortgage insurance (PMI) on a conventional loan.

To figure out how much of a down payment you need, start by calculating how much home you can afford. Once you have a number in mind, consider setting up a dedicated savings account to hold these funds until you’re ready to buy.

Next, review your credit reports and scores. Mortgage lenders use your credit scores and the information in your credit reports — along with other factors such as your income — to determine your creditworthiness. Knowing what’s in your report, and how that information affects your score, can help you take steps to improve your credit rating ahead of applying for a home loan.

And think about whether it makes sense to delay buying a little longer to save for a larger down payment or raise your credit score. A bigger down payment means less you have to finance when you buy; a better credit score may help you get a lower interest rate. Both can help ensure that buying a home is affordable and fits with where you are financially.

3. Check Your Insurance Coverage

If you’re beginning to accumulate some assets, or you’ve started a family, it’s important to make sure your financial interests are protected. That’s where having the right insurance comes into play.

First, make sure you’ve got enough insurance to cover your property, including your car, your home or your personal belongings, if you’re still renting. If you’ve upgraded to a nicer car, for example, you may want to increase your coverage limits on the off chance that you get into an accident.

Next, check your health insurance. If you opted for the cheapest plan in your 20s, would you benefit from switching to a plan that may be slightly more expensive but offers better coverage?

It’s also a good time to think about where disability and life insurance fit into the picture. Of the 12.8 percent of Americans with disabilities, 51 percent are between the working ages of 18 and 64, according to the 2017 Disability Statistics Annual Report by Rehabilitation Research and Training Center on Disability Statistics and Demographics. A temporary or permanent disability could severely sideline your ability to pay your expenses, but disability insurance could keep your bottom line in the black.

Likewise, life insurance can be a lifesaver if you have a spouse or children who depend on you financially. The money can be used to pay off debts, cover day-to-day expenses, pay for funeral and burial costs or help with future education expenses for your children if something were to happen to you.

Buying life insurance in your 30s when you’re young and healthy can help you lock in lower premiums. Be sure to shop around for the best rates and coverage.

4. Fatten Up Your Emergency Fund

Insurance can go a long way toward easing your financial worries, but you still need to have cash that’s readily available in case disaster strikes. Fifty-eight percent of Americans have less than $1,000 in savings, says GoBankingRates.com, and if you’re in your 30s with a spouse, kids or a mortgage to manage, you don’t want to be one of them.

If you established a bare-bones emergency fund in your 20s, you should be using your 30s to kick it into high gear. Take a second look at your spending and income to spot any budget leaks. Once you’ve identified the holes in your plan, work on plugging them, and then divert that extra money back into your emergency fund for some added peace of mind.

These four things are a lot to tackle and you may need to do some prioritizing as you decide what to focus your financial self-care efforts on first. At the end of the day, you want to feel good about your money choices and the progress you’re making toward your goals.

Over the course of your life, your finances can vary greatly and what’s most important to you may evolve as you move from your 20s to your 60s and beyond. This series is designed to help you build a blueprint for practicing financial self-care through the various stages of your life. Creating plans to improve or stabilize your money situation and reviewing them regularly may help you reach your final objectives with less stress and more security.

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