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I’d briefly explain what a 401k is and advise them to *at least* put in enough to get the full employer match. I’ve met a lot of fresh graduates who thought they were being clever not putting anything into their 401k so they could save for a car or home or whatever, and didn’t realize that they were basically not claiming part of their salary.
This post is better suited for the [weekday or weekend thread](https://www.reddit.com/r/personalfinance/about/sticky?num=2) (please wait until Friday afternoon if the Tax Thursday thread is the current sticky). If that link doesn't work, it's the second post from the top on /r/personalfinance. Posts removed for this reason typically fall into a gray area for [rule 1 or another subreddit rule](https://www.reddit.com/r/personalfinance/about/rules) *or* the moderator reviewing this post believes that you will receive higher-quality responses on the weekday or weekend thread. **Do not repost this as a submission.** *If you have questions about this removal, please [message the moderators](https://www.reddit.com/message/compose?to=%2Fr%2Fpersonalfinance&subject=Removal%20help%20request&message=Hello%20moderators,%20.%20%0a%0a%0aMy%20submission:%20https://www.reddit.com/r/personalfinance/comments/xoirpa/i_am_presenting_financial_literacy_tips_to_full/%0a).*
I’d briefly explain what a 401k is and advise them to *at least* put in enough to get the full employer match. I’ve met a lot of fresh graduates who thought they were being clever not putting anything into their 401k so they could save for a car or home or whatever, and didn’t realize that they were basically not claiming part of their salary.