Here is my recommendation for a basic strategy for anyone. And this strategy can be applied, no matter your income level.
0. Save! This is such a simple concept and it is remarkably easy. The most basic form of investing in your financial health is to save money. Just like physical health is a combination of working out and eating right, financial health is a combination of finding smart ways of increasing income (note, not salary, I said income which includes non-traditional ways) and more importantly, SAVING.
1. Emergency fund - you should have atleast 3-4 months of living expenses in a savings account in cash.
2. Fixed Income - CDs
2. 401k - get that sweet employer match! If your employer offers a matching contribution and you don't take advantage, you are leaving free money on the table. Try and maximize your 401(k). I know, I know not everyone has $20k to spare, but start with something small $100 and let that grow over time.
3. Roth IRA -
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