Retirement Planning can’t wait until you’re 65. Many advisors say that you should begin thinking about retirement as soon as you have your first real job. The increase in life expectancy will push back retirement dates for many of us, as it will be financially impossible to live comfortably for 15 or 25 years after our working lives are over. The best way to ensure that you will be able to spend your golden years comfortably is to invest wisely now. Start examining what you should do with your money. Should you open an IRA? Does your employer offer a 401(k)? Fortunately, there are many services available to help you make the right choices, many of them at no charge.