text: Yaar, retirement planning ke baare mein sochna shuru karna hai, lekin mujhe samajh nahin aata ki shuruat kaise karun, itna door hai lagta hai sab kuch.Bilkul, mujhe bhi yeh soch kar anxiety hoti hai, par agar abhi se kuch nahi socha toh future mein kaise manage kar payenge, yeh bhi sochna hai.