text: main apne friends se suna ki unhone apna retirement fund shuru kar diya hai,par mujhe abhi tak samajh nahi aa raha ki kab shuru karna chahiye.retirement fund shuru karna kabhi bhi late nahi hota, par jitni jaldi shuru karogi, utna hi zyada interest accumulate hoga, toh aaj se hi shuru karne ka soch!