There is superannuation, yet being a self employed person I am glad I have a choice to not contribute. I prefer my positive cash flow investment properties - love real estate and having small mortgages on them. I also invest in shares, and rent them out for positive cash flow. My blogs are also seen as a form of investment.
20% of my income goes straight into my house, and that will be paid off in the next 1-2 years. It requires discipline and not to impress, yet I am so grateful to be in this position at such a young age. Working hard does it, as well as being frugal with your money.
My wife and I own a rental property. It used to be our home, but when we decided to move out of the city, we thought renting would be more beneficial than selling. We are pulling in tidy profit from our rental each month and hope to one day add a second income property to the mix.
My advice is to folk still in the work force. Have the bank take out a portion of your earnings each week. Even if it is only $10 a week you will be surprised how it mounts up. At the end of the year invest it in shares or an investment account.