text: mujhe toh lagta hai ki pension plans ek zaroori investment hai,lekin mere dost kehte hain ki yeh sirf unke liye hai jo bade ho gaye hain, tum kya sochti ho?bilkul, pension plans ka importance toh hai, lekin mujhe lagta hai ki younger generation ko bhi isse shuru karna chahiye, kyunki time ke sath zyada benefit milega.