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There are several ways to save for retirement.
If your company offers a 401(k) or similar plan, that's a great option. Your contributions are deducted from your paycheck, and some companies will match part of your contributions. When you leave the company, you can turn your 401(k) into a rollover IRA if you want. But you say that's not an option right now.
You can contribute to a traditional or Roth IRA. Like Rudey said, you have to make below a certain amount to contribute to a traditional IRA. There is also a maximum income level for a Roth, but it's a lot higher.
If you're self-employed, there are a few types of retirement accounts you can set up, such as a SEP-IRA.
You are very wise to be thinking about starting to save for retirement while you're in your 20s.
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