Listen up millennials: these are THE FIVE money milestones you NEED to be saving for.

Number 1: An Emergency

Yes, we’re young and invincible, but we should still be saving for those times in life when things don’t go as planned. See: broken limbs, layoffs, latte shortages. You get the picture.

An emergency savings account should have enough to cover four to seven months’ worth of expenses, which can obviously take some time to build up, so better hop to it!

These funds should be easily accessible in case something unexpected happens, but not so convenient that you can just casually grab some cash whenever there’s a huge sale. Your best bet for stashing cash? A high-yield savings account.

Number 2: Retirement

Even if you’ve yet to sprout a gray hair, you should make retirement a priority, so you don’t miss out on years of compounding interest … not to mention years of kicking it in Florida.

Explore the retirement savings vehicles that are available to you, and ask your HR department about employer-sponsored retirement plans, like a traditional 401(k), Roth 401(k) or 403(b).

Up next, a mortgage.

Start saving for that down payment on your dream home, because it might take awhile.

Even with the most valuable college degree, is takes an average of 2.6 years to save for a 20 percent down payment on a home.

That’s more than a hot second, friends.

Number 4: Your Wedding

Even if you’re single now, your soulmate … and your dream Pinterest wedding … could be right around the corner.

In 2016, the average cost of a wedding reached an all-time high at $35,329. The average spend on engagement rings climbed to over $6,000, while the average spend of a wedding dress increased to about $1,500. Crazy, right?

If you’d rather be focused on dancing than debt on your wedding day, it’s never too early to save.

And finally, kids!

Even If the idea of having kids right now makes you shudder, hear me out.

Parents typically spend between $12,350 to $13,900 annually. Even though you’re worth it, that’s still pretty pricey if you ask me. If you’re not planning on becoming pregnant in the near future, it still might not hurt to start saving in case your plans change.

OK kids, you’ve got your #goals, so let’s make them happen.

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