Hi InvestChat members, I'm 23 and have been seriously considering investing for years now. From curiosity I've always been interested in finance, investing and the stock market since I was old enough to earn money but I never took that 'first step' as my casual jobs were unstable and I never had enough cash to invest properly whilst living a semi-decent lifestyle that a 18-21 year old Uni student could - sometimes only earning $200 a fortnight. Fast-forward a bit I've graduated from my course and got a full-time job in Construction straight away, for which I'm grateful for. But as the months have gone on, I've been earning a reasonable $900 after tax a week and it was something I wasn't used to after surviving on peanuts for most of my teens (from my first job at Woolies for $8/hr to my last casual job at Mitre 10). I found my spending habits were atrocious. I looked at what I had earned all year on my pay slip, then compared it to what was available in my account and the results were depressing - I had been on a shopping spree and all my money was gone. This went on for months. Finally, I decided to change and I took some measures and now I inject $500 of my paycheck every fortnight (1k per month) into a savings account to watch it stockpile but I want to be smart with my money. I know that the present seems great to buy things I don't need with money I need to harvest but the future will come, and quite quickly, so I need to be prepared. I've been researching options with how to be smart with my money and the best places to invest in but I don't know where or what to begin with. Stocks? Bonds? Banks? Property? Overseas? Maybe changing Super options...I don't know where to start! Should I go to my Bank and ask them where to go (like a mutual fund or something). Given my age I am pretty set to take the leap with a more aggressive approach - but still strategic with defensive options - and I don't have any major overheads, my monthly expense is about $500. So I have time, and I have some capital but it will be foolish to think I can do this without research. I've also stockpiled about 10% more of my leftover fund as 'pay myself first' in another account simply for investing. Quite a turnaround from someone who was spending ~$600 a month on shopping. Unlike some people I know who think this is all a 'get rich real quick' scheme, I understand what is at risk here. This is a serious matter and it's all overwhelming for a beginner who doesn't indeed know much about finance or investing. But this still excites me, and God knows I am willing to learn and grow and ride out the highs and lows so one day, in the distant future I can retire without ever worrying about money. I haven't consulted a financial planner or anything like that as I'm still trying to find my bearings in this new universe of finance. But guys, where is generally the best way to start?