I am over twice your age, so, I am not sure I can give you a good answer. But, what swim and run training are you doing now?
I am primarily a cyclist. From Sept to May I run 3 times a week, and I added swimming twice a week to that. I also cycle twice on the weekends. May thru Sept, for the past 3 years, I ride 5 days a week with little running.
I have participated in 1 sprint tri, and hope to enter another by June.