Then you'll have money when you really need it. Try five percent at first, and work your way up. Start a retirement plan. It may seem like a long way off, but it can happen sooner than you think with careful planning. Time is your biggest ally.
Investments compound in value over time.
Don't cash out retirement plans. Unfortunately, they spent that money instead of rolling it over into another retirement account or an individual retirement account. Put it away and forget it. Buy medical coverage. Even young adults get seriously ill or injured, and the debts could ruin your financial health for years, even decades, to come.