When Is A Good Time To Start A Retirement Plan? 
Most of the people with whom I consult wished they had started several years earlier . When you are young you have enormous human capital -LRB- you are going to earn a pile of money . -RRB- Someday that human capital will be exhausted and you will have to rely upon financial capital . The government has most of us contributing to Social Security so you have financial capital . However , living on the Social Security benefit is rarely enough for most . Move your capital from today to tomorrow ! 