It doesn’t matter how small it is, and it doesn’t matter how little you put away in it. Even five dollars a week will grow at a tiny rate, and it’s five dollars more you have saved towards the future than you did before. David Milberg talks more about this on his blogs:

[+] davidmilberg.wordpress.com/
[+] crunchbase.com/person/david-milberg
[+] davidmilberg.net