[bmj]

My advice:

* Save at least 10% of your income. "At least," because you want both long-term/retirement savings, and a "rainy day" fund for unexpected expenses. * Minimize your debt. If you have lots of debt, prioritize paying it down. * If you aren't good at the first two items, create a budget, and stick to it.

Also, if you want professional advice, ask around and find a good financial adviser, particularly if you are looking for an investment strategy for long-term savings.