text: yaar,main soch rahi thi ki retirement planning kaise karun, kyunki mujhe lagta hai ki abhi se sochna zaroori hai, par kis tarike se shuru karun?retirement planning ke liye early shuruat karna zaroori hai, tumhe ppf ya nps jaise options dekhne chahiye, kyunki ye long-term growth ke liye achhe hote hain!