When Should You Start A Retirement Plan? 
Almost everyone I know wishes they had started earlier . The answer is , yesterday . From a practical standpoint participate in your company sponsored plan by contributing the amount that the company will match . If you have lofty ideals for your retirement then start shifting capital to your retirement through supplemental plans at work or an IRA -LRB- you probably want to consider a Roth IRA . -RRB- 