retirement is on the horizon, but he is a little worried. >> i should have planned a lot sooner. you know, when i was 20. life gets in the way. >> reporter: in the early '90s, neighbarger contributed to his company's 401(k) for a few years but then stopped for more than a bucade. he finally decided to get serious and restarted contributions in 2014. over by the ice cream sandwich assembly line, 27-year-old machine operator ryan bickle could do just as his older coworkers suggest. >> the hardest part about saving is the ever-increasing cost of living. >> reporter: so far day-to-day needs have taken priority over retirement. but bickle plans to enroll in the company 401(k) this summer. given that i'm a certified financial planner, he had this question for me: ta what percentage of my pay should i start out investing into the plan? >> reporter: that's a great question. given that velvet ice cream