My most earnest rec - open a Roth IRA and auto deposit as much as you can every month.

Go to vanguard, follow the steps to open a Roth IRA. If you can, auto deposit $625/month, which will max you out to the allowable limit for the year. Invest it in VTSAX. This money goes in post-tax, but grows tax free and is not taxed when you take it out. Do this for 10 years and you will have over $100k. While it's a retirement account, you are allowed to take funds out to buy your first home or for higher ed. Most importantly, time goes really fast and having money saved by the time you hit y...