If you’re asking yourself, “Should I start a retirement plan?” the answer is a resounding “yes!” if you actually mean “should I start saving for retirement?” There is no such thing as saving for retirement too soon. Time is your friend with retirement accounts, and the more time you have, the more your money will likely grow.
Ideally, you would have begun to save for retirement as soon as you started earning income. You would have put aside money every month to go into a 401k or an IRA account. That’s all the “planning” you need to do in your early twenties and into your mid-thirties.