Answer by Doug Davis:
1. Become financially literate: WSJ, CNBC, Bloomberg,, etc.
2. Learn about possible investment vehicles: 401k, Roth IRA, Savings Accounts, etc. –
3. Identify an amount you are comfortable saving each month and put it in the proper savings vehicle.
4. Don't be scared of the market, you have 40+ years of savings. Don't get antsy when the markets drop, this is sometimes a great time to buy into the market at a cheaper valuation.