I would say as soon as you have more questions than answers. For some that is in their 20's for others it is in their 50's. I believe the sooner the better. It will get you started on your own personal roadmap towards financial freedom. The younger you are the easier it is to achieve. It is not good when someone calls me at 65 and says I just want to make sure I can retire. They come in and don't have enough. I have to tell them, you can't afford to retire. It is a much better conversation if you have options.