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Retirement planning should begin the moment you receive your first paycheck. There is a whole host of decisions that ultimately needs to be made before you can retire and planning those beforehand will give you the best chance of meeting your goals and the most peace of mind. The decisions that will have the largest effect are choosing when to take Social Security, how to invest your 401k, how to fund your individual retirement accounts, and how to make sure you have enough money in retirement. For all of these, planning early will help you tremendously. Make time work for you instead of against you.