When Should I Plan For Retirement? 
You should plan for retirement as soon as possible . If you can start investing in your early 20s , even if it is just a few dollars per paycheck , you will have a big advantage over those persons that wait until their 40s before contemplating retirement . Be consistent , diversify and allow a full-time broker or financial planner -LRB- not part-time -RRB- help you . 