It is never too early, or too late, to start a Retirement Plan. You will benefit the most from starting a Retirement Plan early. However, you will benefit from a Retirement Plan regardless of when you started it.
If at all possible, put as much money into your account or plan each year as your Retirement Plan will allow. This allows for a greater sum of money to be acquiring interest or to be invested.
Educate yourself on your individual Retirement Plan. Stay active in it and know what is going on.
If you do borrow money from your Retirement Plan, replace it as soon as possible.
Shop around and look for the best Retirement Plan for you. There are many different options to choose from. Pick the Retirement Plan that will work best in your individual situation.