The Investment Scientist

Today, a client of mine invited me to his house for lunch. His son Kevin has just finished college and started a job. The lunch invitation was not just for a celebration, but also to give Kevin a quick financial education and set him up for future financial success. 

Kevin is employed by a small company that pays him a $60k starting salary. As part of his employment benefits, he also gets a 401k plan with 3% employer match. 

As I sat down with Kevin, I had a clear plan of what I wanted to convey to him in the form of questions that I would answer for him. 

When should he start saving and investing?