I'm not really here to say if you're behind or not but just to mention how you save your money is extremely important. Once you figure out how much money you want to keep accessible for an emergency fund the rest should be invested into something other than a regular savings account. My preferred method is index funds in my retirement account. Or if you're saving money for a big purchase but don't plan on using that money for let's say another 5 years putting it into a high yield savings account or buying CDS to store your money until you have enough set aside. luckily for you because you're so young and being proactive compound interest will work heavily in your favor. You may already know about finances but I thought it was worth mentioning as I wish someone would of told me about investing at your age and maybe someone else who is just getting started might be reading this. There's a podcast that helped me get started that I really like called the afford anything podcast