Limit your debt to only your budget bills, for example electricity, water, etc.... Keep in mind car payments, cable bill, CREDIT CARD DEBT and other miscellaneous bills will eat your income like a hungry lion. Your next goal should be to couple retirements AKA collect them. You should have at a minimum these retirement plans: IRA, 401k/pension, and annuity. If social security exist when you retire then you will even more money. If you get married and your spouse has these 3 retirement plans the amount of monthly income will be ridiculous.

save as much as you can ...place it in different investments and savings as well as a retirement plan.

be aware of daily send monthly spending...over all be frugal daily

I know someone working on being a millionaire for the third time...they have a beautiful retirement life..nice house vacations and art collecting...all those years with a nose to the grind stone and not always needing a new car or appliance is a good thing..

save now for later

take a nice vacation each year and save

buying a house that is affordable is a good investment also but do not let your ego pick the huge house...something small in a good area close to work..... works for a long time

Invest early. The earlier you begin saving money for your retirement the better off you will be.

Putting 15 - 20% of your pay into a 401k and/or an IRA would be a good start.

with each and every pay check, invest in your 401k and invest in yourself with a 5% to 10% deduct from your check to your own personal investment account at a broker like schwab.com or fidelity.com--set these up once electronically and you will not miss it and you will build up money fast.

Do not spend all that you earn. Save Save Save!

Save and save then save some more

Save more when you're working.

Make more and put away more in IRAs and company sponsored plans.