How I did it: I made an appointment with a certified financial planner and we talked about my financial habits. 
The biggest thing we discussed was what I wanted to do when I retired, and how much money I needed to do that.  So, when I told her that I wanted to travel a little bit and buy a vacation house here and there, I realized that saving $10/month was NOT going to cut it.  But what did I know?  I was 23! 
We also discussed some basic economic principles.  One that I always remember is: "the easiest way to lose money is to keep it in your house because of a natural 4% inflation every year!"  That money should go deposited where it earns dividends! 

Lessons & tips: No amount is too small to save.  When you have some change, deposit it, or use it! 
Start saving NOW!  It's better to have too much than too little!  If you can't afford a financial planner, at least deposit that money where you can get dividends! 

Resources: Go to a Brokerage Firm and not a bank!  That's just my personal opinion.  I have had some luck at a bank, but have had better customer service at Brokerage Firms. 

Sep 10, 02:35PM PDT | 1 comment | 3 cheers