47 0 0 0 13 6. Ellevest recently talked to 1,000 women about their money—and their lives. On student loans, how much money to invest up autopay, which can typically reduce your interest rates by 0. What to do: Save six to eight months of your expenses in cash.

Get paid what you’re really worth. What to do: Starting with low pay can be a drag for years, since you get raises off that base. Slay the work, learn negotiation skills, practice in advance, and ask for the raises and promotions you deserve. Make a down payment on a home. Women in their thirties were most likely of any age group to save for having a child, paying for college, and starting a business. What to do: Save aggressively in a 529 college savings plan or a taxable investment account for personal goals. If you’re having kids, map out a career plan.

What to do: If you’re leaving the workforce but plan to return, keep your skills fresh by volunteering in your area of expertise. Make sure you’re on track to grow your nest egg. Also invest extra cash in taxable accounts. Protect your assets and earnings power. What to do: Get supplemental life and disability insurance. Make sure your career—and salary—don’t peak too soon.

What to do: The average woman’s salary peaks at age 40. That’s 15 years earlier than a man’s. Determine what you’ll need to retire comfortably—and how to get there. Women in their fifties and sixties are most likely to say they never talk to anyone about financial advice. Plan now for life-care needs later on.

50- to 65-year-olds are most likely to save for medical care later in life. What to do: Buy long-term-care insurance now. Wait longer and you may risk skyrocketing premiums or ineligibility. Really go for it in your career. What to do: Not only do many fiftysomething women have fewer commitments at home, but people are more likely to see mature women as leaders. Start thinking about your income strategy: Create a plan for your future self to tap the money you’ve saved. What to do: Consolidate your retirement accounts into one place, and create an income distribution plan for withdrawing your money in retirement in a tax-efficient manner.