18 and want to start a retirement account that builds over time.

I’m not exactly sure what they are called but it’s where you put money in annually and it slowing grows with interest and when your like 60 it has over a million dollars grown. I want to make 2, one as a back up if for some reason I go in the gutter. Also like an emergency fund that I won’t touch unless I absolutely need to. And another that I don’t touch till I’m 60. I can probably contribute 1000 bucks a year into both. What accounts do I need to set up? I’m pretty sure I heard something about a Roth? Thanks in advance. My income is about 30k a year rn.