A client recently asked what he could say to his son to get him to start securing his financial future. My reply to him was “he is young and has a lot of time to save, this is the biggest assets he has right now”. His son has just started his first real job, so I of course want to know if there is a 401(k) for him to take advantage of. I told him to explain to his son that every dollar he puts into the 401(k) for his retirement is a dollar that does not go to the Federal government for taxes. This kid has about 40 years to save for himself, that is an asset he will not be able to get back, but right now he can take advantage of.