After all, turning 40 can make you painfully aware that time is running out to fix any financial mistakes you've made in the past. That's why financial advisers suggest a handful of money moves everyone should make before their 40th birthday. Financial planner Benjamin Brandt, who hosts a retirement podcast called Retirement Starts Today Radio, says he suggests anyone approaching 40 start maxing out their retirement savings. \"To protect yourself from yourself, learn to establish automated financial transactions to handle your money moves each paycheck,\" he says. Boosting your retirement savings in a workplace account can also be considered automation since the money is taken out of your paycheck automatically and invested on your behalf.