<prompt> Human: Ive struggled since I graduated college in 2004. Ive been unemployed, Ive paid off credit cards only to have to rely on them as my sole source of bill money months later. In 2010 I received my masters degree, but still had to struggle because now I had student loans on top of everything else and could only find work making 13hour. Its now 5 years later and Im making good money. I just received a 5 figure raise to 80k. My Masters loan is paid off, my credit cards are slowly coming down. I finally have money sticking around. I have 0 in retirement or savings and my company doesnt have retirement benefits. What is the best way to start saving?  <response>: Please read I have X in the FAQ. 