There are many best times to do many things. For example, the best time to see cherry blossoms in Washington, D.C., is usually late March or early April. The best time to apply sunscreen is around 15 to 30 minutes before you venture into sunshine (and remember to reapply it at least every two hours).

There's a best time to start investing, too. It's critical for all of us who aren't financially independent to start saving and investing for retirement -- and to have a solid retirement plan as well -- even if we're still relatively young. So read on to learn when you might want to start doing so.

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Source Fool.com