Saw off that tax bite. Save for retirement on a tax deferred plan so your money will grow faster. Hammer home the concept that you need to start saving now. The earlier you start to save the better off you will be. Secure your retirement by saving on a consistent basis.
Most experts say it is better to save through periodic contributions rather than one lump sum.
Shave out of your paycheck as much as you can afford to save. Someday you might need those dollars more than you do today. Set the level for each type of investment choice. Diversify your assets among various investments, vehicles to level your allocation.