text: yaar,kya tumne kabhi retirement planning ke baare mein socha hai? mujhe lagta hai ki yeh bahut zaroori hai, par samajh nahi aa raha kaise shuru karun.bilkul, retirement planning ko ignore nahi karna chahiye, ek acha retirement fund shuru karna chahiye, aur jitna jaldi shuru karogi, utna achha hoga.