educate yourself and take control of your finances. read some books on the topic [wealthy barber is a great place to start and should be part of school curriculum]. don't rely on investment advisors/financial planners. they make money whether or not you do. my investments are self directed, it's not rocket science. if you work for someone else, many companies match rrsp contributions, take advantage of that. you're still young, markets go up and markets go down, dont worry about the speed bumps. over 30 years, you will come out ahead.
these days many people are relying on real estate (their home) as their retirement nest egg. better make sure it's paid off and there's no bubble.