<prompt> Human: 25 years old and just starting to think and care about my long term future unfortunately. Ive been lurking here for a couple of months now and would like to see if I have learned the right things from here.I went to college out of high school but partied and blew that opportunity, I am now back in college but had to start from scratch last year. Right now I do not owe any school loansI decided to play the stock market last year and made a sufficient return but I didnt have much to play with. So right now I have 8,000 in a brokerage account and 3,000 as an emergency fund.My income is only 25K which doesnt leave much for savings.I have just started to contribute to my employers 401K which they match a bit of what a waste that I have not been contributing to this. The only debt I have is a credit card for 1,500.What else can I be doing to help pad my future since I neglected it for so long? EDIT: Sorry for the vague stock info, I opened an account and purchased a few individual stocks. Facebook made me the most money with a 60 return in around 10 months. Obviously this was risky and I got lucky.  <response>: You can pay off your credit card - immediately. Other than that, if you want to save more thats only going to happen one of two ways: spend less or make more. 