Congratulations on paying off your credit cards.

Now for saving,

If your company has a 401K plan or equivalent, begin saving there. If they have a matching program, be sure and save the maximum that they will match.

Another way you may save is with an IRA, I recommend a Roth IRA. This has the best tax aspects after retirement, no tax on gains.

Wow I must say again your credit card situation is the envy of everyone you know, I’m sure.

Good luck and good saving!!
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first choice is a 401k if your company matches your input, second would be a roth ira, just put whatever you can in to one, go to troweprice,vanguard,fidelity, one of them, they are the big no load fund companies, easiest way to start is just pick a fund that goes by your age, tell the company the year you plan to retire and they adjust your asset allocation for you as you age

troweprice has a 1,000 minimum on retirement funds, or no minimum if you have them take money from your checking account automatically, 50 a month minimum and that is a great easy way to save