<prompt> Human: Some would argue that you should start planning as soon as you can find a job that gives you a 401k. Others think that planning for retirement is something that you should do as soon as you get out of college, regardless of whether you have a job with a 401k. And then there are those who say that planning for retirement is something that you should do when youre in high school with a Roth IRA. Assuming that youre not on the extremely wealthy or extremely poor end of the spectrum, when is the most optimal and reasonable time to start planning for retirement?tl;dr At what point in your life should you start planning for retirement?  <response>: birth. 