Steven ’s Answer
You should start as early as possible. Begin with a bank account and then consider a mutual fund. Many Funds allow you to start with $1000 or less to open a new account. Once you have opened an account make sure to review the materials that are sent to you by the Fund. Much of this information is going to be new to you but don't worry about that--try to familiarize yourself broadly with the material and call the Fund's toll free number to ask some basic questions.