As you approach middle age, your financial priorities might begin to shift. Maybe you’re starting to think about retirement or inheritances more, rather than daydreaming about acquiring new and better stuff.

Your priorities may have changed, but you can still make meaningful changes to the way you handle money.

Thankfully, there’s still time to course-correct on the financial front. These nine habits can help you build a steadier financial foundation, whatever retirement may look like for you.

1. Build a lifestyle you can afford now. In your 40s and 50s, it’s tempting to think you can catch up with savings later. But you may be underestimating the enormous uncertainty ahead. Even if things go great, do you really want to be scrimping and saving in your 60s and 70s to make up for all those years when you could have been saving more comfortably? The trick is not to wait. Start now and adjust your lifestyle to fit the finances you have rather than the ones you hope to have someday.

2. Prioritize employer retirement accounts. If your employer has a 401(k) match, consider whether you can contribute enough to receive it. Check the plan terms and your own priorities; a match can be a valuable part of your compensation.

3. Schedule regular budget meetings. Planning for retirement is no easy task. For example, you may need to calculate how much you need to retire, how long it will take, how fast your investments might grow, and what you’ll do if you fall behind. The list of things you need to do doesn’t stop once you’ve got a plan. You need to be reviewing your plans regularly, making adjustments to stay on track, and finding new opportunities. These planning and decision-making sessions are just as important as the work of investing money itself. So be sure to schedule them in your calendar and make them a high priority.

4. Spend on health investments. When you’re young, it may be tempting to put off taking care of your health and push all those expenses to the future. But besides being unpleasant in its own right, poor health can be a huge drain on your finances. Health needs can also affect your time, work, and finances. Consider what care and healthy routines are realistic for you now.

5. Review your money regularly. Whether you prefer an app, a spreadsheet, or a simple monthly check-in, find a way to review your savings, debts, and expenses. If you’re not tracking these numbers, it’s much harder to see if you’re on or off track. And when that happens, you’ll have a strong tendency to kick the can down the road and hope that things don’t get worse. It’s far better to track how things are going and make small course corrections before things get out of hand.

6. Treat your time as a scarce resource. Once you get your finances in order, it’s natural to start focusing on retirement itself. Most people want to feel like they made the most of their retirement and that they spent enough time with loved ones before reaching the end of their life. The key point, then, is not to wait until retirement to start planning what you want to do. In fact, there’s no reason to wait at all, as you can begin thinking more strategically about your time right now. Starting now gives you room to adjust as life changes.

7. Create a financial buffer for emergencies. By the time you reach your 40s, you may be saving for retirement. It can also help to keep some money accessible for unexpected costs. For example, you wouldn’t want to have all your money tied up in stocks only to be forced to withdraw when the market is down. Or maybe you find out you have a major medical bill. What counts as enough depends on your circumstances.

8. Consider downsizing your home. Many people end up with a larger house than they need. Maybe they needed more rooms for when their children were young or a bigger kitchen for when they were always hosting events. If your needs have changed, consider whether the space still fits your life and budget. Downsizing may help, but moving costs and the local market matter too.

9. Don’t overextend yourself with loans. When used wisely, loans can allow people to afford certain things sooner than they would have been able to save up for them. But it’s easy to take that too far and find yourself buried in loan payments. And never forget that you can lose your job, take a pay cut, or face any number of unexpected costs. Loan payments can leave less room for a surprise expense. You have to pay them back on the schedule you agreed to, or risk a hit to your credit score. That pressure can make other goals, including retirement saving, harder to manage.

You do not have to change every habit at once. Pick one that fits your life, try it for a month, and make the next choice from there.