India, June 14 -- A 22-year-old man from Mumbai has sparked a discussion on Reddit after sharing that he wants to begin retirement planning from the first day of his career instead of waiting until his 30s or 40s.

In his post, the Reddit user said he is about to start a job in Mumbai with a monthly salary of around Rs.1 lakh. However, after factoring in rent, living expenses and family responsibilities, he expects to save around Rs.20,000 every month.

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"I'm about to start a job in Mumbai with a salary of around Rs.1 lakh per month, and I'm trying to think seriously about retirement planning from day one instead of waiting until ...