“Our financial lives tend to become more layered and complex as we move from our 20s to 30s and beyond. What we strive to accomplish when we’re in our 30s may be very different from where we want to be money-wise when we’re turning 50,” says registered financial advisor Pam Krueger, founder of Wealthramp and creator and co-host of PBS’ MoneyTrack. “As your life changes and the economy, stock market, and interest rates also change around you, it is critically important that you know where you stand and how best to position your investments.”