[Jims5543]

I read Charles Givens Financial Self Defense when I was 25 and wished I lived by just one of his rules.

Pay yourself first.

Take 10% of your take home pay and put it away. Never touch it no matter what. Invest it in an IRA. In 20 years you'll be very set.
I read it and did not do it and regret it. Learn as much as you can about personal finances and investing and put together a plan. I am playing catch up at the ripe young age of 40 and knew better when I was 25 and didn't act on it.