I was worth NOTHING when I graduated. Actually, I owed student loans, so my net worth was negative.

I said the same thing as you. Yes, I worked. Yes, I had money. yes, I spent money.

I should have saved. Now, you know.

You are not late at all.

Start putting money into an S&P 500 index mutual fund today. keep contributing $50 each month for the next 40 years.

Once you have a job and can contribute to a 401K do that. Still contribute your $50 per month though into the mutual fund.

The key is just do it, and let time and compounding do all the heavy lifting.

You will be fine.