pre$-$commit to having automatic contributions deducted from his paycheck. What is another alternative based on heuristic tech. that you might use to encourage him to begin contributing?

Explain to Dethond that he can wait until he reaches the age of $40$ to begin contributing to lis retirement account so hecl enjoy his income now.

Explain to Demond that he would be better off contrillating to lis saving account for the nest $5$ years, then he can begin contributing to his retirement plan. He doesn't need to begin contributing soon because he can simply rely on social security in retirement to cover his expenses.

There are no other heuristic techniques that you could une to help persuste Demond ene ener butc.

Explain to Demond that he will lose money by not contributing because he will be missing out on a $100\%$ match if he contributes $4\%.$