Retirement planning is a long-term financial strategy that should commence with an individual’s first salary, rather than waiting until the later stages of a career. Contrary to common misconceptions, retirement is not reserved solely for the elderly; it is about achieving financial independence where work becomes a choice rather than a necessity for survival. Early planning leverages the power of compounding, allowing for smaller, consistent contributions over time. Professionals are encouraged to build a diversified financial ecosystem—including pensions, investments, and insurance—and account for factors like inflation and individual lifestyle goals to secure future freedom.