Brock and Sally have an emergency fund of $40,000. They would like to start saving for retirement, but they have not signed up for their companies' 401(k) plans. Neither company matches 401(k) contributions. What do you suggest for Brock and Sally based on their goals and the budget that they have put together? The $40,000 that the Wilsons have saved for an emergency ismore than three months of expenses. They have not, however, taken advantage of the employer 401(k) plans that are available to them. If an employer does not match contributions, it isstill advantageous to contribute to a company-sponsored retirement savings plan because the contributions to the plan are invested withthe company's earnings. If the Wilsons invest part of their surplus in their 401(k) plans, they will save the designated amount plus another33.65% of that amount because of the tax savings.