First, I would start a plan to start saving money to have for emergencies. Put whatever you can afford into a fairly liquid savings vehicle. I would suggest an online savings that pays a decent interest rate. Various "experts" say you should have 6-9 months of salary in an emergency savings.
Then, if have a vehicle, I would start a savings plan for replacement of a vehicle.
Finally, start saving for retirement. If you have a retirement plan at work...try and maximize it. If no savings plan at work, look at IRAs. ROTH and IRA. Personally, I would suggest ROTH. Unless you're very financially savvy, I would suggest looking at a mutual fund that has a target index fund. Look at the fees and loads of funds and try to find one that has the lowest fees/loads and a good track record.
When starting out, some funds charge a fee until you reach a certain balance. Others will waive the fee if you have a automatic deposit system in place. Wherever you start, remember, you're not locked in forever. You can roll over IRAs from one mutual fund to another, or to another vehicle if you so choose. It's a place to start.
**Disclaimer: Effort has been made to offer correct information; but due to the discussion forum limitations, the poster disclaims any legal responsibility for the accuracy of the poster's response**
