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Reduce your debt. Pay off your student loans, try to invest, reduce your other debt and save.

Save for retirement. Contribute something to your retirement plan every paycheck.

Keep an eye on your credit score. You're entitled to three free credit reports per year from TransUnion, Experian, and Equifax. Watch for suspicious entries and get in touch with the company that issued the credit report to rectify mistakes.

Do not fear Wall St. Equity investing is the way to go.

Invest regularly and stay invested. When you keep putting money toward your retirement effort and money is invested, there can be a snowball effect. Save and invest consistently throughout your career.