never feel like you are behind brother, i have saved low 6 figs at 22 but i didnt go out and party and do everything normal young men do, its a trade off, save money and be at a position where i have crumbs in wsb or go fuck whores, i chose the i wanna get the chance at some real money option, you are never too late homie, asking this question already puts yourself ahead of the majority, now u just gonna figure out how to reliably build yourself