This article provides a general overview of a retirement time line without enumerating all the pros and cons surrounding the age specific decisions. Many people think major retirement decisions coincide with your 65thbirthday. In reality, many important decisions begin as early as age 50. Actually, you are never too young to start developing your long term financial objectives. “If I knew then what I know now …” is a phrase often spoken by seniors who would have done things differently if they had been more informed young enough to make intelligently planned decisions versus emotionally charged emergency ones in reaction to sudden life changing events.