1. Do not stop acquiring knowledge. Some of the most valuable life lessons are learned outside the formal classroom setting. Learning the value of knowledge is something that happens internally. So is the value of investments. It starts with a growing interest in investments, the drive to understand the basics, then wanting to take part in a particular investment.
2. Grow in the art of financial management. You have to take responsibility of your money. Learn how to get rid of your debts. Understand some easy investment schemes. Grow in your knowledge of retirement plans such as IRA and mutual funds.
3. Eliminate as much debt as you can. This is the exact opposite of #2 above. Saving and investing lose their meaning when you continue to live in debt. So before you invest in anything else, focus on reducing your debt so that your savings and investments deliver expected results.