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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 (not part-time) help you.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
In a recent conversation a retiring person told me that they had made the maximum contribution to their retirement program and to those programs available under the IRS code. This person had lived a rather conservative lifestyle but is retiring a wealthy person. It is never too early, it is a matter of will but the rewards are amazing.
That is a great question! The best answer is right away! The sooner the better, honestly. Current wisdom says to live at your current lifestyle in retirement, you will need to save between 8-10x your current salary. If you'd like to live better than you are now, you will need to save more. I cannot stress enough how much better off you are if you start your retirement planning when you are young. If you need to start playing catch up, and would like some help, please drop me a line, I'm happy to help, okay? Thanks for asking!
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Be consistent, diversify and allow a full-time broker or financial planner (not part-time) help you.