Start saving now is good advice, generally, however it should happen with help of qualified professional independent financial advice. In other words, someone who is credentialed and with tons of experience and integrity. In most cases eliminating unsecured debt is the best place to start. Next, work on paying off the mortgage and save for emergencies. I would also add that keeping your day job is a good thing, even if you hate it - better to have one and hate it than not have one at all.