When Is A Good Time To Start A Retirement Plan? 
As soon as possible , the greatest asset you have is time , and it takes time for money to build . If you add earning a rate of return on your money and have that money compound over the years than your money can grow to a huge lump sum . What you want to do is find the right savings vehicle that will give you the best return . How about a tax free retirement ? Are you familiar with tax deferred ? How about avoiding penalties if you take an early withdrawal . There are many things to consider but the earlier you start the greater chance you have of saving a lot of money for retirement . 