text: yaar,mujhe samajh nahi aata ki retirement ke liye planning kaise karni chahiye, lagta hai abhi toh bahut waqt hai, par kal kya hoga, pata nahi.bilkul, choti choti savings abhi se shuru kar, retirement ke liye nps ya epf achha option hai, aakhir jab time aaye toh tension nahi rahegi.