Analyze the “expert’s” responses to the following questions:

Question: How early do you recommend people begin saving for retirement? Would it

be too early for my 14-year-old to start saving?

Expert: It’s never too early.

Question: For a college student, what would you suggest for a savings plan?

Expert: I’d suggest deciding on a specific amount to set aside each month, then

making sure you do it, no matter the temptations not to.