Compound interest is a strategy that rewards boring, patient people.

Growth on top of growth is almost invisible for a long time and then absurd, which is exactly the wrong shape for how people like to be rewarded. Nothing about it is clever. It asks for small amounts, early, left alone, and the only skill involved is not interfering, which is why patient and slightly dull people do so well at it.

Open something now, even with a tiny amount going in each payday, and leave it alone. The habit matters more than the sum at your age. Time is the part you have and cannot buy later.