Whether you’re in your 20s and just landed your first job or you’re just a few years away from retirement, saving for the future is key to achieving financial freedom. And paying yourself first—setting aside part of your income each time you get paid—lays the foundation to help you achieve your personal and financial goals, whatever your ideal future looks like.

However, your priorities and financial challenges will likely change throughout your life, and your savings goals should change too. In this guide, we’ll discuss how to set savings goals depending on your life stage—plus, how to get the support you need to reach your goals.