Scott Ford

That's certainly true of Gen Z and millennials.

And so we're living longer.

Right.

But at the same time,

know people are reluctant to increase their savings you know the thing we recommend people do is at least as it relates to your 401k plan or whatever your retirement plan is at work if your company has a match at least contribute up to up to that point you know my mom you know she taught school for 30 years she retired at 55 and right she's going to be 84. so people often underestimate the length of time that they're actually going to be retired

And if you put it off and start later and you don't save enough, you're going to potentially outlive your savings.

Yes.

It is.

It is.

That's right.

That's right.

And that's what we educate people about.

Like the earlier you start, the less you have to contribute.

Right.

Because of the power of compounding.

The later you get started, the more you have to try to put away.

Right.

Because you have you just have less time.

And so we just encourage people, you know, and I really do mean this, like take advantage of what you have at work first, right?

Because you can get, you know, some benefit from tax deferral and all those things and the company match that many employers will give.