Analyze the "expert's" responses to the following questions:
Question: How early do you recommend people begin saving for retirement? Would it be too early for my 14-year-old to start saving?
Expert: It's never too early.
Question: For a college student , what would you suggest for a savings plan?
Expert: I'd suggest deciding on a specific amount to set aside each month, then making sure you do it, no matter the temptations not to.