Aann... questions to answer your questions:

How old are you? How much can you save each month?

Wala bang HMO/Health Insurance ang employer mo?

Your first step is actually to get out of credit card debt or any high-interest loan. Second is to have an emergency fund, you know, pang bail, emergency hospitalization, etc. Usually 1-3 mos worth of your salary sitting around in an ATM.

And then there's protection (life and health), then savings (retirement, yes kahit anong bata mo pa, education, and other medium to long term stuff), then investment (business, stocks, bonds, mutual funds).

That's to simplify matters. Baka maging OT na tayo...