Into the military as a teenager and right into the pension plan. Six years later I became a civilian and they gave me my money back but my new employer had a mandatory pension plan. Retirement is great, and this as much as anything has to do with the mandatory pension. If they start thinking about the future as teenagers it's not a bad thing. Most of the people I know when they were teenagers had their mind on the here and now, meaning the girl or boy last seen.