Employee education sessions on 401(k)s regularly provide proof there is no such thing as a silly question.(Photo: Shutterstock)

Admit it. We’ve all been there. You’re in the middle of an employee education meeting on retirement plans and someone (in their twenties, no less) invariably asks, “Why should I save? Social Security will take care of me when I retire.”

Your first reaction is “What!? Chances are Social Security as you know it won’t even be around when it’s your time to retire.” But you hold it in. Experience tells you this question represents only the tip of the iceberg. If one person is asking it, a hundred are thinking it.

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