Financial advice...at an early age I was taught the Needs vs Wants and it has made all the difference. BUT...when you have four cars all with 250k plus miles...you need to have a want every now and then. This principal has helped me to never struggle financially.
former boss counseled me to increase my retirement contribution by at least 1% EVERY time I got a raise. Build that nest egg baby!!
Look at getting life insurance and disability. No rate of return will be there for your family if you can't work. Save more