Im 28 and recently started using Roc retinol to correct fine lines from tanning, will this help me or hurt me.

Im 27 and recently started using Roc retinol to correct fine lines from tanning. Ive heard that it work great, and also heard An article from CNN said it was good to start using in your late 20's. But there was an answer on here saying it can age your skin 20 to 30 years faster, in which I have no idea why anyone would use it. Im confused help :)Im 28 and recently started using Roc retinol to correct fine lines from tanning, will this help me or hurt me.
I'm 45 I have been using just plain old Niva cream of 30 years. I live in AZ. Sun all year round.I have no wrinkles at all.

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