[Evans, Marv]

I'll second the comment about getting into & paying off a house at as young of an age as you can. Being free of putting out a decent chunk of your income toward a mortgage gives you a huge sense of security and freedom. I'd do the best you can to divide up that and putting as much savings away as you can. As far as I'm concerned, I'd avoid financial planners and go straight for establishing a Roth (or a combination if you actually can exceed the limits) account paying into a low fee mutual fund. Vanguard low fee funds are a good place to start. Also Paul's suggestion on doing some educational reading is a big help.