SLOWLY, very SLOWLY, the economy is starting to improve. The question is are you still saying you're not able to save anything? Saving/investing is very important no matter the amount you're able to put away. Financial planning is something that needs to be done by everyone especially in these economic times because you never know when that "rainy day" might come and you've got nothing put aside. One of the things you might want to find out about is stock trading and Firstrade is a company that can help you with this.
If you decide to do online trading with an online broker you'll be placing your financial future into trusted and experienced hands with www.firstrade.com. The important thing for a person of any age is to have a program established for regular saving and investing. If you had started saving/investing 5 years ago, imagine what $25.00 would be worth today. To plan for retirement, you could open IRA accounts (Individual Retirement Accounts). This government offering can be tax deferred or tax exempt.
Accounts can be established with the purchase of gold bullion or coins. Even with the world's sluggish economy, gold keeps it's value. An ounce of gold has seen a continuous increase in value and is still recognized around the world as a solid monetary commodity. You can invest with "buy and sell orders" with mobile trading using a mobile phone or device.