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Seth should consider taking his uncle's advice because saving for retirement early allows for the power of compounding to work in his favor. Compounding refers to the ability of investments to generate earnings, and for those earnings to then generate their own earnings over time. By starting to save for retirement early, Seth can take advantage of the compounding effect and potentially grow his savings significantly over the next 40 years. Additionally, starting to save now gives Seth the benefit of time, which allows him to take on more risk and potentially earn higher returns with his investments. Saving for retirement early also provides Seth with financial security and peace of mind in the future, as he would have a solid financial plan in place when he eventually decides to retire.

Seth should listen to his uncle's advice and save for retirement early. Starting now allows for compounding to work in his favor, potentially growing his savings significantly over time. It also gives him the benefit of time to take on more risk and potentially earn higher returns. Saving early provides financial security and peace of mind for the future.