If a trust is a good idea, why not handle it later, once you are older and have more?
Because the biggest factor in how much a trust does for you is time, and time is the one input you cannot recover.
A trust is not paperwork that sits in a drawer. Set up correctly, it is a structure your wealth grows inside: protected, organized, and tax-efficient. The earlier it is in place, the longer it has to work, and the larger the difference by the time it matters. The same assets left outside a trust can quietly lose ground to taxes and probate over those same years.
Starting is also low-risk. The natural first step, a revocable trust, can be changed or undone at any time. You are not locking yourself into anything. You are putting the foundation in place so the benefits can begin to compound.
Most people wait because it feels like a someday task. But waiting is the cost. Every year without the structure in place is a year of compounding you do not get back. You do not have to build the whole plan today. You only have to start, and the first step takes an afternoon.