When I started my first "real" job at a small daily newspaper in Brookings, S.D., back in the early 1990s, I don't think the words "retirement" or "savings" ever crossed my mind.

My wife and I were focused on getting through college, paying the rent, keeping our car running and having enough money left for dinner and a movie now and then.

When we both landed jobs in Utah in 1995, I enrolled in my new employer's 401(k) plan. But I didn't really know what I was doing. I remember asking my dad if I should, and him saying it would be a good idea.

So I admire the writer of this week's question. Elle sent me an e-mail to say she is a recent college graduate who just landed her first "real" job.

"I am not sure what I should do to start saving and what my plan of attack should be," Elle wrote. "I have heard a lot about different options — IRAs, Roth IRAs and 401(k)s — but what is my best bet as a young person?

"I heard that the first thing I need is an emergency fund, so I am working on building that up, but what is next, and do I need a financial planner? My company is small and does not have a 401(k) plan, but I have been doing some reading of financial books, and I understand the benefit of saving when you are young. Can you give me some advice and help me to know what I should be doing?"

First, Elle, congratulations on planning now for your financial future. The fact that you are saving already puts you ahead of the game.

For more specific answers to your questions, I contacted Ray LeVitre, fee-only certified financial planner in Salt Lake City and author of "The Retiring Boomer's Financial Handbook." Ray recently taught a seminar on finances for graduate students at Brigham Young University, and he is working on a book that focuses on people in your situation.

Ray wrote in an e-mailed response that the premise of his book is that habits, not income, dictate wealth. In other words, if you develop good habits while you're not making much money, you will keep those habits when you are making a lot of money.

Toward that end, Elle, Ray recommends that, first, you follow a strict budget.

He also writes that you should set aside 15 percent of everything you make. You should start — as you already have — by building an emergency reserve of three months' living expenses. That money should be put into a high-yielding money market account, separate from your regular checking account.

His next bit of advice involves your consumer spending habits.