It’s no secret, we think of money differently at age 20 than we do at 40 or 60. Of course, at 20 we are bulletproof. Retirement is a million years away, and we will worry about it later. Of course, “later” always seems to come too soon. At 40, we wake up, and start to panic a little. At 60, well…

Anyway, before “later” catches you by surprise, here are some spending, saving and investing tips from money dude Dave Ramsey, in a piece entitled “Your Age, Your Money: How to Spend, Save and Invest Right Now.”  . These are tailored for folks at various ages. Here are the bullet points…

• 20s — Build a Solid Foundation: Avoid debt when you can, and pay off those student loans!
• 30s — Shift to a Family Focus: Start budgeting for the millions of things kids need. Start saving for a house. Buy life insurance, etc.
• 40s — Shovel the Savings: That’s me, and boy, am I shoveling into the ol’ IRA! Maintain your home and avoid big repair bills (they will happen anyway!)
• 50s — Look Forward But Stay Focused: Keep investing, at least 15%, in retirement. Pay off your mortgage.
• 60+ — Enjoy the Fruits of Your Labor: But buy long-term care insurance. A nursing home can wipe out your savings.

Are you a little freaked out by the whole spending/saving/investing thing? That’s natural, but there are steps to take, so be sure to read the original piece. Where are you on this timeline? Are you “keeping up?” Let us know over at the MindField Online Facebook page!