Probably the best way to start is with a personal cash flow analysis. I'm sure there are many places on the web you can draw down forms that would consist of the following. On the expense side you want to identify all of your's fixed expenses and discretionary expenses. On the income side you want to list all of your sources of income and be sure to take into consideration your net income after income taxes, social security and Medicare. Budgeting is something that should begin early in one's life and a goal might be to begin with 15% of your net take-home income and over the next 3 to 5 years, try to increased it to 20%. The initial starting points would be an emergency cash fund, contributions to an employer's retirement plan, such as a 401(k) plan or for 403(B) plan. These plans would allow for tax-deductible contributions and would allow Uncle Sam to pay for part of your savings with pretax dollars and then private investments. Hope this helps and good luck
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