What do you recommend to Jing on the importance of personal finance regarding:

Participating in her employer$$s $401($k$)$ retirement plan?

Understanding the effects of her marginal tax rate on her financial decisions?

Considering the current state of the economy in her personal financial planning?

Using time value of money considerations to project what her Roth$-$IRA might be worth at age $63?$

Using time value of money considerations to project what her $401($k$)$ plan might be worth when she is age $63$ if she were to participate fully?

Saving for retirement versus paying off student loans?