<prompt> Human: Thanks to the stuff Ive learned through this subreddit, Ive finally convinced my parents not only to save money from each of my dad paychecks but also to to invest in his 401k options with his employer! I want to be sure on Monday that we know everything we should ask to plan things out the best way possible, so Im here asking you. What can we ask his employer about the 401k options to make sure were being the most efficient possible?  <response>: Its unfortunate that I was the first person to begin contributing to my 401K between my parents separated. Dads excuse still: All my money goes to your mother divorced 25 years ago. Married five years. Still paying alimony. Lawyer up.Mom: Finally started contributing around the age of 50. 20 bucks a week to her 403b. Me: Never not contributed since first real job. 