I am 20 and I use anti-wrinkle cream as my moisturizer.

I am 20 and I use anti-wrinkle cream as my moisturizer.
I am 29 years old. I want to start taking more care of my skin but do not know what avenue to take. Right now I use a day moisturizer that contains spf 45(Neutrogena healthy defense). I want to use something at night…what do you recommend?
I have combination, acne prone skin, but would like a great wrinkle cream, moisturizer, etc. Help!
I heard somewhere that you should start using anti wrinkle cream in your mid 20’s. I have started using an anti wrinkle moisturizer daily, one for the day and one for night. I’m 25. I have always looked pretty young for my age but I’ve started to notice "laugh lines" on the sides of my eyes and around my mouth when I smile.
Does it really work?
What is it that makes it work?
Does it matter what kind I use?