<prompt> Human: My husband isnt interested in maxing out his 401k and HSA even though he could - hes probably contributing around 20 if the max and hes not interested in contributing to an IRA. He doesnt find the long term benefits to be worthwhile or the time to figure it out and would rather have that money at hand to enjoy life at the moment. Ive done research and sent him articles, but would anyone have any form of solid data and research that shows the long term gains? He really doesnt listen to anything aside from solid evidence, data, and official research e.g. Reddit, random articles, etc  <response>: This isnt really a financial question, this is a relationshipsgoals question. If he wants to use the money for short term goals, and not for retirement, youre not really going to be able to convince him with numbers.You can use the various retirement calculators on the web in order to approximate what X per month for Y years at a 7 rate of return inflation adjusted, this would be in 2018 dollars would become, but that doesnt seem like the real roadblock here. 