Have your savings automatically deducted from your paycheck so you never even think of it as money to spend. My husband has always diverted 6% of his income to his 401k. That's the max they provide a match for (88%). We've never missed that money because we haven't had to move it anywhere. It's always been automatic. Now, we've finally got 6 digits saved for retirement!
Also, in addition to life insurance, consider disability insurance, especially if you do physical labor. The likelihood of being disabled is shockingly high. If it happens at work, you will be covered, but if it doesn't, you are faced with a devastating possibility of not being able to work and support yourself. Our policy covers 50% of my husband's income for up to two years and it's very inexpensive. And, yes, my husband has hurt himself. His body is pretty beat up from 25 years of physical labor.
Good advice, all. We have done pretty well except I graduated from college with lots of student debt right after the economy melted down and have not found a good, permanent job. So, student loans are killing our financial health right now.