1. Develop faith:
'God Looks After Drunkards, Fools And The Untied States of America.'
2. Fund to the max allowable your 401k, Roth or any other tax deferred plans availible through auto deduction(no see um) as early and as long as possible. Pick your age in Vanguard's Target Retirement Series or as close/low expenses as you can.
3. Don't look, don't think, and for heaven sake don't read books. Concentrate on your day job and keep it till you retire.
Of course in forty plus years I didn't follow that advice - my er ah education was more expensive and serendipitous.
heh heh heh -