Securing a firm grip on finances can be difficult for any age. Although many people wrongfully believe that struggling to make payments, put money into savings, or fall behind on credit card payments is only for the young just getting used to their first job, many people struggle financially well into their adult years.As you navigate through your 40s, there are a number of financial burdens you need to consider that may not have been a problem before. Children are approaching college age, retirement is just around the corner, and you’re still working to pay off your home, cars, and debt. It can be overwhelming to think of all the things you need to save but can’t figure out where that money is going to come from.

Financial instability, even in your 40s, doesn’t need to be the end of the world. You still have time to turn things around and gain financial independence. If you’re ready to get a grasp on your money, here are four steps you can take.

1. Consider what has worked.

Chances are, you didn’t get where you are by doing everything wrong. Think of things that had worked for you in the past, that you maybe could have taken to the next level to get a bit more benefit from it. Maybe it was automatically moving a portion of your paycheck to savings or cooking in for your meals.

Even these small changes can be built upon to make something larger. When you recognize something that you’ve maybe tried in the past, it can feel easier to ease it into your life today. It can also feel rewarding to know that you’re getting on a better track.

2. Think of the long term.

Many of us think of the things we need to afford now instead of the things we might need to save for in the future. Retirement seems so far away, so instead we buy a new car or upgrade our TV at home. We think that we have time to save for retirement and it isn’t a problem now.

When we reach our 40s, retirement has finally stopped being so far away. If we want to retire on time for the national average, that is only about 25 years away. When we want to save enough money to live the rest of our lives off of, that isn’t that much time.Stop looking at the short term and consider what’s further down the road. Forget about what you could buy now and instead think about helping a kid with college or putting into a retirement fun.

3. View savings as a requirement.

One of the biggest problems many of us have is not thinking of savings as a necessity. Instead of putting our money away like we should, we believe it isn’t as important as meeting our bills and making ends meet. While this may be true in some circumstances, we need to stop seeing our savings money as “extra.”

To force yourself to save, view your savings goals as bills for that month. If you want to save $300 to your savings account that month, charge yourself the same way you would a bill. Don’t think of as it as extra cash anymore.

4. Get excited.

When you’re thinking about planning your future, you should be excited. One way to fuel yourself to start saving is to create an image of what it will look like when you get there. Are you and your spouse going to travel during your retirement? Are you going to move somewhere warm? Are you going to stay home to be surrounded my family?

When you have an idea of the lifestyle you’re saving for, you’ll do what you can to start saving to get there. Having an image in your head gives you something to work for and grounds the goals to something real.

Finances can be a struggle, but the more you put them off, the harder they will become. If you’re in your 40s and just beginning to consider savings, getting out of debt, and becoming financially independent, you don’t want to waste any more time.

It is never too late to get started, you just need to take the first step.