Start putting money away in a Roth IRA early and often. Max out your contributions every year. Odds are your tax bracket is lower now than it will be later on,

Start putting money away in a Roth IRA early and often. Max out your contributions every year. Odds are your tax bracket is lower now than it will be later on, and that $5500 adds up. Also, if you have to, you can withdraw your contributions (but not any gains) without penalty - since a Roth is post-tax - so it can serve as a savings account, one with considerably better rates of return than the abysmal interest a regular savings account provides.