I was invited to go on a news show and talk about lack of savings for retirement among young people.  I plan to propose a different angle.  Saving wealth is easy.  Creating it is hard.  Focus on creating wealth first.

Invest in yourself in ways that enhance your wealth-creation power, rather than socking dollars away in an account that you have no control over and hoping it grows 3%.

$100 put into a 401(k) is nothing compared to something as small as $100 spent taking a business owner to lunch and asking them about their business for an hour, for one easy, mundane example.  Invest in building skills, experiences, reputation, and relationships that enhance your ability to create value.  Think about that first.  It’s worth more than any institutional degree or investment account, and the best part is you don’t have to wait and hope it works.  You can control it.