It is difficult to get on the right track without having hard goals set. Give yourself something to accomplish incrementally and have items you can check off. Save for emergencies. Pay off debt. Save for retirement. Invest. My ultimate goal today is: learn how to make smart investments that make money. Today, I am not in the financial situation to begin investing but I can spend this time learning. When the day comes where my 6% student loans are paid off, I will have the knowledge to make a move. I will keep learning so when the day comes I will be completely prepared to begin structuring the rest of my life.

If you are considering investing, check out this article and make sure you are in a stable financial situation to begin that journey.