text: Retirement ke liye sabse pehle toh savings ka plan banana padega, aur mujhe yeh samajh nahi aa raha ki kaise start karun, kya tumhare paas koi tips hain?Sabse pehle toh ek budget banao, aur jitna ho sake savings account mein rakhne ki koshish karo, fir investment options pe focus karna, samjha kya?