When Should I Start Retirement Plan? 
Starting a retirement plan -LRB- or planning for retirement -RRB- should start as early as possible . Even if it 's just $ 10 or $ 25 per month while you 're in your early 20s , it will pay huge dividends -LRB- figuratively -RRB- as the money continues to grow . My employer offered matching contributions for my 401K . I started immediately and it made a big positive difference in my retirement planning . I started and never stopped . Diversification is important at all times . A full-time financial adviser or broker -LRB- not a marketer or advertiser -RRB- is your best resource . They can monitor your progress , make changes and guide you to an early and enjoyable retirement . Putting dollars in your pocket is their goal . 