<prompt> Human: I am 27 and earn enough to sustain my necessities and support a family. Not married yet. Should I start investing now or after a couple more years and what percentage of income should be saved for the long term to have a trouble free life post retirement. I invest a bit in stocks. Are there any other avenues for investment?  <response>: Its like the question:Whens the best time to plant a tree? 20 years ago. Whens the 2nd best time to plant a tree? now. 