I left the organization early so I started a Roth IRA in 1998 and a 401k in 1995. I still plan to work another 25 years so i should be sitting decent at 63.
Even if you're 50 you can save something before 65. But really, any financial advice is so dependent on the person. How old are you? Are you healthy to continue working for another 10, 15, or 20 years? What country you live in? Taxes are a big factor. Try deciding on various tax accounts in your early twenties, and not having a clue what tax laws will exist in 45 years.
One thing too is for me retirement is not a big deal but my daughter and future children education is. I starting paying for my daughters education when she was born. It will be paid off before she is 12, all four years. I don't even plan on retiring but working or doing what I like. That is what retirement means to me. Having the financial ability to do what I want and not worry how much that "job" pays.
I would like to join Dr. without borders and help provide nursing care, but can't afford to do that now but hoping I can when I retire.