Invest in you old age: Superannuation or some other savings device. You need to put on as much as you possibly can as soon as you can but this needn’t mean you plow all your income into it straight away. Transfer or invest as little as $20 per week initially, you’ll never miss it and after a few weeks or months keep increasing the amount till you’ve reached your ceiling. Reinvest your earnings or dividends, compound interest is a beautiful thing.
That’s in Ruzzian Rubles, in the civilized world we refer to that as: two flat stones.