Retirement is a period to look forward to for a countless number of working Americans, but it can be a financially stressful time, as well. No matter when you choose to retire, here are a few money-related milestones you should aim to hit first.

1. Save enough to cover three months of living expenses

Ideally, you’ll have a healthy amount of retirement savings stashed away in an IRA or 401(k) by the time you stop working. (More on that in a minute.) But aside from your nest egg, you should also have a fully loaded emergency fund in time for retirement with enough cash to cover a solid three months of living expenses.