Yeah start now Tony and you will be good to go. I didn't get really serious about savings until I was about 26 or so and wish I would have started sooner. I don't have the best job, I make decent money, but I still don't want for anything and have a better savings than most the people I know even the ones that make more than me. It's nice knowing that if for some reason I lost my job tomorrow and couldn't find any work I'd be good for quite awhile.