401(a)

A 401(a) is like a special jar that your grown-up might have for saving money for the future. They put money from their paycheck into this jar, and sometimes their employer puts some money in there too as a special treat. No one can take the money out of the jar until your grown-up is old enough to retire or leave their job. When they take the money out, they can use it to pay for things they need, like a house or food, or go on fun adventures like traveling. It's important for your grown-up to keep track of how much money they put into the jar and how much their employer puts in too, so they can make sure they have enough money for when they are older and want to retire.