[ChuckMcM]

All good advice in the peer comments, when I was in my 20's I was putting the maximum I could in a 401k (pre-tax), and putting 10% of my salary into the employee stock purchase program. Before we had kids my wife was putting most of her salary into savings for a down payment on a house. Unlike many of my peers I was bringing my sandwich in for lunch (still do that). I tend to own cars for 5+ years, I don't take annual vacations to places I have to fly to (hiking and camping is pretty inexpensive and easy to do in California) and generally I always try to keep my monthlies (phone, power, tv, internet) under control. Every month payed off the credit card (used for book keeping more than credit) and cook food rather than buy pre-prepared food.

All designed to keep my 'burn rate' low.