My "community involvement" is much like my charitable giving - I spread it around to people I know, directly. One of my college buddies has been very intrigued that I'm willing to talk about this stuff, and it's helped her to talkt hings out.
My Top 5 List:
#1 - Start investing young. You can never make up the time value of money if you delay savings until 35 instead of starting at 25. I started saving even when I had student loan debt (admittedly, not much), and I've never regretted it.
#2 - Invest in your own education, since an education helps you earn more income over your lifetime. No one cares more about your future and financial fitness than you do, so read, read, read, once college is done, and pursue additional training or certification if appropriate.
#3 - Marry someone with the same financial outlook that you have. Even if they don't have the same discipline or training, you should be able to set mutual goals. For example, my DH agrees to save for retirement, set money aside for emergencies, and he agreed to buy a house because I felt strongly about it. 15 years later, he's *very* glad he did. We have never argued about how to spend or save money.
#4 - Automate savings as much as possible. I set aside a percentage of my income, expect the same of DH, and we increase savings when we get pay increases. Since that is "automatic", we do not have to renegotiate these concepts. We are also automated in terms of auto-deposits for our accounts...
#5 - Balance your investments. I call it the "don't have all your eggs in one basket" philosophy.
We have a house. We have liquid savings. We bought a business. We have retirement savings, allocated between stocks, bonds, domestic, int'l, etc. And we set aside money for fun... We find that diversification not only provides decent returns (when the stocks are down, RE or bonds are up...) it also means we sleep better at night, since no one part of our portfolio is too heavy in one area.