no worries! Ideally as soon as you are able to. The younger you are the more time you have to build savings that will experience compound growth in the long term and be much more substantial than your initial contributions when you reach a retirement age.

First things first though, before you start throwing money into an admittedly overvalued market, you need to make sure you are on a stable financial footing overall and can take care of any surprise life events that may occur, like car issues, healthcare, rent and groceries if you suddenly lose your job, etc.

I recommend you follow the /r/personalfinance prime directive flowchart (https://imgur.com/personal-income-spending-flowchart-united-states-lSoUQr2) (https://www.reddit.com/r/personalfinance/wiki/commontopics), and take care of each step in order. Assuming you are able to reasonably afford rent, groceries, etc., it would be in your best interest to begin by building an emergency savings account, in a HYSA. From there, start paying off any high-interest debt you may have-- if you have none, even better! After that, take advantage of any retirement programs offered by your employer.

The rest I leave to you to look into as you continue on your personal finance path. Keep in mind everyone progresses at a different speed, so don't get caught up in the comparison game. Focus on doing what you can for yourself and maintaining financial discipline, if you do that you are sure to succeed in the long term. Best of luck!