5 Critical Money Moves to Make Before Your 40s Are Over

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For many people, hitting the big 4-0 can actually be quite freeing.

You’re in or approaching your peak earning years, and your home is likely close to being paid off. The kids are out of that house — or nearly so — and you’re enjoying more of the other things life has to offer: hobbies, travel, restaurants that don’t serve french fries.

To be sure, the 40s are tough for some people, especially since the Great Recession.

Salaries may peak in that decade of life for some folks, but that doesn’t mean much if you’re unemployed or underemployed. Those who weren’t able to buy homes or who lost them during the recession may be seeing rent hikes rather than equity increases.

Whatever your situation, it’s not too late to make the most of your financial future. But to do that, you should cross the following five tasks off your must-do list before your 40s are over.

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