[Blackstrat]

Max out your 401K contributions or similar vehicle. Develop good spending habits. Don't try to keep up with those around you. Choose a career that really inspires you - not the most hyped today, or the highest paying. Choose something that gives you satisfaction, even if you make less money than your peers. It will pay off in the end. If you want a family, start thinking about it now. If you're in no hurry, wait until later to settle down and marry. Get your wild days behind you. I didn't settle down until my late 30s. My wife and I are now nearing 35 years. Bottom line, don't do anything now that you'll regret later. And possibly even more importantly, don't fail to do something now that you will regret later. Trust me, the things you didn't do will likely haunt you more than the things you did do. This is looking back from age 70+

[DracheZahn]

This is the best advice for long-term security. Take advantage of a ROTH if you can. Regardless of the market or your income, contribute now. Take advantage of the Rule of 72. Double your money every few years. With every raise, add more until you reach your maximum contribution. When you turn 50, raise it to the new maximum. When YOU want to retire, you will have a sizable savings.