Honestly, it starts at home. If your parents weren't savers/investors then the chance that you are going save and invest is going to be very small.
I will give an example of my parents.
My parents were spenders. They spent money as fast as they got it. For somebody who only had a 4th grade education my father has made awesome money in the past. How would you like to make $15k for 2 weeks of work. How would you like to make $3k for 3 days of work? My father was a contractor for the state of NJ. In one year he could make over $100k. This was in the 90's and early 2000's. When the economy went south, those jobs dried up. He doesn't have them anymore.
My parents also owned a few businesses. Most were bombs, but they had one that lasted 12 years. When my mom passed away 3 years ago my dad sold it for a small fee. When my sister took over the books she found out that my mom had mismanaged the finances, and they weren't making as much money as initially thought.
Then there are the purchases. Buying a $250,000 home w/ a 2,000 monthly mortgage at the age of 60. Purchasing new cars every 2-3 years. Not investing and not saving a dime. My mom was purchasing shoes, clothes, coats, jackets, cosmetics, etc. Eating out all the time.
I'm currently staying with my father now and I'm worried. He doesn't learn. He sold a perfectly fine Volvo with zero payments and upgraded to a new one with $500 a month payments. He's bought $200 jeans and expensive shoes. He was delivering government commodities to the schools for $3,000 a week. He only worked for 3 days a month. Anyway, the state wanted to do it themselves so they almost eliminated his job. He has a few schools left and makes a only fraction of what he made in the beginning. He only has his job in the summer which pays well. He has SS and VA benefits from the 4 years he spent in the army. That's it. His attitude is I'm going to die soon so why not party it up. But yet, I believe he's scared.
I had to teach myself about finances. I had to condition myself to save money. The 2 years that I spent in South Korea were amazing. I didn't need a car. My place was paid for, and the cost of living is cheaper then it is in New Jersey. But, I'm late to the savings/investing game. I'm nearing 40. I have just recently put money into an IRA. I"m looking for ways to make passive income, while I apply for another teaching position in South Korea.
It starts at home.