It seems simple enough, you work hard, pay your bills on time and take a portion of the leftovers and tuck them away in savings — or under the mattress. There’s more to it, though, and depending on your age, there are things you should be using as benchmarks. Adhys Obeso from New York Life has some tips you should keep in mind. For starters, begin saving in your 20s, that head start goes a long way. A 20-something who invests $2,000 a year for 13 years can end up with more money than someone 10 years older investing twice as much. In your 30s, you will more than likely have a spouse or children to add to the equation. This means that you don’t have as much available to invest. The best thing to do in your 30s is to stay the course and get rid of all your non-mortgage debt. If you didn’t pay off student loans and credit card debt in your 20s, do it now. In your 40s, you need to decide when you want to retire and avoid skimping on savings. For every $1 you save in your 40s, you could make as much as $10 for retirement. Regardless of your age, you need have a plan and stick to it.