<prompt> Human: I know there are those who dont have a retirement account at all like my mom at age 46, and those who are starting a plan at the age of fifty only contributing the bare minimum.I started a 401k with my company 9 months ago and Im 26, I felt like I should have started sooner but life gets in the way.How late is too late to start a retirement account?  <response>: How late is too late to start a retirement account?Its never too late. 