Many people know they should plan for retirement, but few know when to start. The truth is that retirement planning is not something reserved for those nearing retirement age. Whether you are in your twenties, forties, or preparing to retire in the next few years, taking action today can help create more opportunities and greater financial confidence in the future. In this article, we explain why starting early matters, what retirement planning looks like at different stages of life, and the common mistakes that can delay progress toward your long-term financial goals.