Go straight to Bogleheads.org and other sites of the type. It's awesome you recognize that you're living paycheck to paycheck. If you manage to cut a little b

Go straight to Bogleheads.org and other sites of the type. It's awesome you recognize that you're living paycheck to paycheck. If you manage to cut a little bit of expenses or earn a little bit more through a side-gig, you will have money to invest. Investing in the right places (like your company's 401k) can bring immediate returns through things like the employer match. Once you establish a foothold, just keep on keeping on. The savings pile will grow and hopefully you'll get an occasional raise to step things up. It really works. My family is now at the point where 1 kid is out of college and 'off the payroll', one kid is in college and one coming up. These can be expensive years, so prepare for them. (Now!) Dave Ramsey, Bogleheads, etc. are giving you the straight story. If you live below your means and make financial gain one of your hobbies, you have a good chance of accomplishing what you want. Good luck!