13 things to accomplish with your money before 40

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Everyone's allowed a few life mulligans, but by the time you've hit the big 3-0, you should have sorted out most of the reckless habits we tend to fall into as young 20-somethings.

This is especially true for money matters, considering you're close to entering your peak earning years. According to Payscale, college-educated men's earnings peak at an average age of 48 and women's earnings peak at 39.

To prepare for your peak earning years, here are 13 milestones to aim to achieve before hitting 40: