<prompt> Human: So I was talking to my sister recently about work and we started talking about our respective 401k benefits and I was shocked discover that shes been barely saving anything and doesnt even contribute enough to get the full match. I tried explaining the importance of proper retirement planning but she didnt seem to get it. Her response was that she likes to live well and didnt like the thought of locking up her for decades... Shes in her mid 30s about to get married... told her at the very least she could use the money towards a down payment on a house which seemed to pique her interest.Anyway are there any good videos out there that clearly illustrates how money in a 401kIRA can grow significantly with time and regular contributions? Its her finances and her personal responsibility, but I dont want her to end up like my parents... no retirement savings, house foreclosed during recession, had to move to a frozen tundra to live in a 8k house they bought on eBay... thank god my dad at least had a pension. Shes had about a decade of personal and financial misfortune, but shes just recently getting it all together and finally fixed her credit so I feel like a something like a good video could make her see the light.  <response>: I think the easiest answer is Sis, do you plan on working forever? Or would you like to stop working at some point and live well. Social security likely is either going to provide a very small fraction of what you make now, or nothing at all. Then just have a quick number on hand. And Ill even give you that number. With a reasonable stock market return of 6 for the next 30 years, 10,000 dollars a year will turn into nearly 800k by the time you retire. Then encourage her to at least get the free money her company is offering. It sucks that she is so old, if she was 25 instead of 35 that number would be closer to 1.6M. 