The best way to handle your money? Depends on where you are in your journey through life.

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Age may be just a number but as the years go by, our feelings about money—how we earn it, how we spend it, and how we stash it away—tend to change, too. “Our relationship with our finances evolves across our life,” says financial therapist Amanda Clayman. “Depending on which phase we’re in, we may find ourselves more at peace or far from it.” All the more reason to establish a durable financial game plan.

In our 20s, getting by on an entry-level salary can make it tough to set long-term financial goals. Nearly half of female investors ages 25 to 34 agreed with the statement “I am driven more by the present than the future when it comes to financial decisions,” according to a 2014 Ameriprise Financial study.

Many millennial women are delaying marriage, which also brings financial challenges, says Stefanie O’Connell, author of The Broke and Beautiful Life:“They’re contending with the higher cost of living alone and saving up for major milestones on their own.” On top of that, four in ten millennials describe their debt as “overwhelming,” according to a 2014 Wells Fargo study.