 The sooner, the better. The more choices you have, the better off you're going to be, the more options that you have. And the less options you have, is it still possible? Yes, but a lot of times you may not be able to achieve all the goals that you set out to achieve because you waited too long or you procrastinated. So the sooner you can start planning, saving, investing, and doing the things that you need to do to be financially responsible, to be financially independent,