Savings add up over time when invested properly. The middle class and even members of the poorer class have found a way to save for retirement. Having money for anything that arises in life is necessary for survival. Today the options for retirement and pension include (but not limited to) 401K and the IRA. Without delving into what each one does it is still easy to surmise that they come in handy for the twilight years.
Funds are essential to old age and as such the smart investor will pay into one or both of these accounts for safe measure. The money to pay comes from work, inheritance, and gifts. It's critical to hold onto cash and pay yourself. This will matter significantly when the government has to stop sustaining the elderly. Based on the media the end to subsidies and retirement may face a trough if things don't get better. Keeping in mind that this is not anybody's fault it's just better to plan for the worse.
Working hard entails going to a job or becoming self-employed. No matter what means is used to get the money funneling it into a fund of some kind will reward later. It's like never losing the income, as it's possible to live on the interest of the investment. Seeing the big picture involves understanding that only a few grow to billions with inventions and investments. Since this is the limited few, the fact remains that the 401K and the IRA are the financial assistance to rely on when there is no other form of income.
An account for the future is in everyone's best interest if financial preparedness matters to them. To this end, inquiring about the availabilities is expected. Even now there are people who don't know what a 401 K and an IRA are there for. Let's face it, society is not perfect. That being said, it's far better to learn at some point in time as opposed to never learning.