You can only rely on yourself for your retirement
I was in my early twenties and home for vacation. My father and mother told me to come to a seminar hosted by Edward Jones and their financial advisor, Paul Husted. I attended with them, just to be a dutiful daughter of course. Paul Husted said something to me that I would never forget...'you work hard for your money, don't you think your money should work hard for you?' From that day forward, I put money into my companies 401k programs. I would increase the % when I received a raise. Over my 25+ years of professional work, I have saved quite a nice nest egg for my future, and I continue to save. Mr. Husted was correct, if you have your company take it out of your check, you don't miss it at all...you make do with the amount deposited in your checking account. To this day, I tell this story to my nephews and nieces...I hope they listen and take it to heart. I thank my parents and Paul Husted with Edward Jones for instilling in me the ability to save for my future.