When does one start financial planning?

Q: When does one start financial planning?

A: Going by the general wisdom if you can start it as soon as you start earning, well and good. But otherwise often I tell people that 'you start and people have a lot of aspirations that they want to fulfill', so we say well okay two-three years do what you want but the latest time by which you should start planning is about the time you want to have a family.
Ideally if you start by the time you get married, great. Even if you have not done by the time you are married, if you are planning to have a child, may be a year before that from the time you conceive the thought that you want to have a child, may be that is a great starting point. However, if you then delay then you are actually of course playing with time.