Reading the replies is giving me anxiety. Listen to me, children, if you are in the US and your company offers a 401k or some other sort of retirement benefit, get in on that shit. I believe most companies will do some sort of match, so for example, if you put in 3% of your paycheck into the 401k, the company will also put in 3% on their end, which means you're getting 6% a year in your retirement fund (not including any stock market gains or losses, which historically has been an average of about +7% a year, even factoring in the years it crashed). Even my grocery store job (ily unions) and the shitty temp agency I worked for for 2 weeks without a college degree offered a 401k. However, if you do not work for a place that offers a 401k, you can sign up for an IRA (individual retirement account) or Roth IRA through a brokerage firm. Mine is through Fidelity.

Thanks for the shoutout, baby. You're absolutely right: it's never too late to start saving for the future. Even if you think that future is an apocalyptic nightmare landscape, I promise you'll still be better off going into that shitstorm with money. When bad stuff happens, it is always the poorest, most marginalized people who are hurt the most. So if nothing else, prepping for a wealthy future will put you in a position to help others. We talk about that more here:

PHRASE ADDED!

Why do you use It/Its pronouns...