You should really set up an account and get an automatic transfer going, even if it's only $50 a month. While the amount isn't important, the habit is vitally

You should really set up an account and get an automatic transfer going, even if it's only $50 a month. While the amount isn't important, the habit is vitally important now while you're still young. Believe it or not, the period of life you're in right now is when you have the most surplus income. Things will get a lot tougher at some point. Everyone can take a 10% trim on their disposable income without too much pain, and it's a good habit to get into. Just make sure you can't get at the money without having to go in somewhere and fill out forms. Otherwise it will get spent on something you have to do or have. And in ten years you'll regret both the wasted money and failure to build a habit.