Retirement ... your biggest strength is TIME. You're young, and you have years ahead of you for the magic of compound interest to work in your favor. Start now with 10% of your income. Here's an article that discusses the high cost of postponing retirement savings:
https://www.fool.com/retirement/2017/04/01/delaying-saving-for-retirement-by-even-3-years-is.aspx .
Saving for a house ... buying a modest house is a huge money-saver in the long run. Insist upon a fixed interest rate, and as prices increase around you, your housing costs will remain stable. Make it a goal to pay off your house in 15 years, and just about the time your kids are in high school /college (when they become really expensive), your house will be paid off. You won't be worry. (You can do it in less, but most people can do it in 15 years without undue stress.)
The other important item ... stay out of debt. No revolving credit card debt, no cars that're above and beyond what you can really afford ... no excuses! Debt remains after the short-term enjoyment of the vacation or nice Christmas has passed.
How can you manage these things? Frugal living. It's not sexy, but cutting back on meals out, driving your cars longer, buying things second hand, and so forth will lead to financial stability. It's not easy because the whole world tells you to spend-spend-spend and because you have to plan /sacrifice now ... and the rewards don't come for a long time, but it's worthwhile.