The title poses a question. I was just curious if there was a broad agreement on the best time to do it.
Though I am aware that every person’s living situation is unique due to factors like rent, children, and fluctuating costs of living, I still thought it would be interesting to learn about everyone’s methods!
Furthermore, it seems that the Robinhood IRA match does not apply to the $7k cap, meaning that this year you might have $7,210 in your Roth.
I am 27 years old and currently an engineer earning $60K annually. Due to the COVID lockdowns, I was spending very little, which allowed me to save a significant amount. I haven’t fully maxed out my Roth IRA contributions in recent years, but I am already halfway to the limit for this tax year. My current savings stand at $76K.
I remember those days well—living with my parents during COVID and having virtually zero expenses. It gave me a great head start on building up my retirement account.
Make the most of your contributions while you are young. I didn’t start until I was 33, and I regret not starting sooner. There’s no real way to make up for missed years, you are limited to the annual contribution limit which might change and that is it.
I could never have maxed it out at your age, especially when I was only making half of what you are earning now delivering pizzas. Future you will definitely appreciate the effort you’re putting in now.
17 years old, part-time work paying about $7K a year. It used to merely be a $2K limit.
In high school, my parents matched my earned income for my retirement account.
Smart parents, 
I plan to do the same with my kids’ 529 accounts when I have the opportunity.
36 I wish I had started earlier, I am 42 now.
23 was earning $72.5k as an engineer at the time.
In my early 30s, I had around $41k. That year, I opened my first account, maxed it out, and have continued to do so ever since. I wasn’t aware of Roth IRAs before that.
I am 40, currently 41. Let’s go, everyone! I have $97k, but I was weighed down by significant student loan debt until that same year.
32, but that is just because I did not find a job until then because I was a lazy bum. It is best to maximize it as soon as you can.