Had a tweet from a financial newspaper last week asking me for my single best piece of advice for a person on their road to achieving financial security. I could give about a hundred that I've learned over the years but if i could only give one it would be to start early. Save and buy your principal residence as soon as you can. Preferably in your 20's or early 30's. Time and compounding are on your side when you get into the market at an early age. The reverse is true when you wait until your mid 40's or later. The same can be said for your RRSP and TFSA accounts. Get started on them as soon as you can. You don't need to be maxing them out just get some money in there and working for you early.