My dad worked with a man who did him a wonderful service. The man found out that my dad wasn't contributing to the 401k. My parents had 3 little kids and didn't think they could afford it.
The guy took my dad by the arm, drug him into the office and INSISTED that he sign up. My mom didn't appreciate it at the time. LOL! When the benefits started wasting away my parents were so grateful to him. Mom and dad made sure to emphasize to all of us that saving for retirement is essential.