When it's several decades away, you might categorize saving for retirement as a back-burner concern.
And when you're younger, contributing to an individual retirement account might seem like an impossible stretch — making it all too easy to put off starting.
What you almost never hear, though, is the regret people have that they didn't start saving earlier. To be sure, it makes sense to start investing as early as possible so your investment will have more time to grow.
Ashley Sprowl, 40, started her Roth IRA when she was 34 and wishes she'd started sooner. "My dad said to start right away, but I didn't get the importance of tax-free growth."