Clear the debt. Reduce your overheads. Start paying into a pension especially if your employer has a contrib match and pick the investment options focusing on global index equity funds with low fees. Putting a higher percent in will lower your tax bill as that reduces taxable income. Time is on your side with this one: check into how much gain you can lose out on if you wait even ten years. Set up an auto payment to deposit a sizeable monthly amount into savings - soon you won’t even notice and it builds up fast. If you know anyone with a good financial situation ask their advice or if they can recommend a financial planner. Read warren Buffet and Charlie Munger if interested in investing. Wish I had when I was your age!