When Should I Start Retirement Plan? 
You should start a retirement plan the day you start your first full time job , especially if your employer does a partial or full contribution match . The odds are high that you will live longer than your parents , so your retirement period may be longer as well . Its always in your best interest to pay yourself first , even if its only $ 10 a paycheck . The cost of procrastination is substantial . The power of compounding over decades is significant . What you do today will determine how you live tomorrow . 