Every country around the world has its own unique economic nuances that needs to weighed up. Some nations are battling high inflation, others stagnation. But regardless of where ever you may live, here are my suggestions to conciser.
#1 Look after you health
Firstly, if you live in the western world then most likely you probably weigh 10-15kg more that you should, so make that your first priority. If you can't jog around the block, then make that your second goal. Being physically fit will save you from needless medical bills, persevere you looks and help prevent Alzheimer's. Its no point worrying about retiring at 70 if you you don't making it to 60.
#2 Own your own home
Houses and debt, they go together. But what ever strategy works to become debt free, then do it. Maybe you have to down size, maybe you'll have to move to a different town ... but then save the money when you do it.
#3 Stop buying crap.
Yes ... stop impulse buying. Fast food, fashion sneakers, smart phones ... what ever does not last 5 years.
#4 Buy gold
Buy gold bullion. Don't invest in shares, don't invest in anything that give you just a piece of paper, just buy 99.999% gold. Why? Gold from the dawn of time is the ONLY asset that offers protection from ANY kind of economic problem. Save every cent and as soon as you can buy a 1/2oz gold ingot or a 1oz gold coin. Then save more and buy another one ... and then another. Don't let others care for your wealth.
end of lesson
PS ... I am not a hedge fund manage or broker :)