I'm 22. I currently have $2300 in my Roth IRA at Vanguard, $1300 in my PA state pension, and $2000 in my brokerage account. I'm only contributing $50 a paycheck to the Roth and about $65 a paycheck to the pension due to my low salary, but I figured starting early with a little amount was better than starting later when I could contribute more. I opened my Roth in March right before the market bottomed, so I got in at a good time.