Harvey is a bright young man who has an adorable dog named Sparky. 
Harvey is a 16 year old boy who has been working as a newspaper delivery boy for 3 months of summer. His boss, Mr. Smith wants to employ Harvey for the rest of the year and tells him about 401k. At first Harvey is skeptical and unhappy that more money will be deducted from his check. Mr. Smith tells him that if you put a portion of your money towards a Roth IRA account his money will grow on accrued interest. Harvey was confused at first and so was sparky. Mr. Smith found a beautiful and easy story that he used as an analogy to explain to Harvey what a Roth IRA account is and how does money grow. His retirement account will be worth a lot of money and Harvey decides to listen to his boss. He decided to put 20 dollars every week. After 4 months he had about 355 dollars, which is 35 dollars more than he contributed. He was so happy that his money grew and was happy with his investment. Sparky was also happy. 

401K 

Harvey delivering newspapers with Sparky by his side, both looking proud.

Harvey was a boy, just sixteen years old. He had a dog named Sparky, who was brave and bold. Harvey delivered newspapers every day, and Sparky would join him along the way. For three months of summer, they worked side by side, tossing papers on porches with pride. Harvey's boss, Mr. Smith, was a kind old man, and he had a very interesting plan. He wanted Harvey to work all year long, and he had a suggestion that was strong.

A Summer Job

Mr. Smith explaining 401k to Harvey, who is looking puzzled, with Sparky wagging his tail.

Mr. Smith said, 'Harvey, I have something to say. If you work through the year, it will surely pay. There's something called a 401k, where your money can grow every day.' Harvey was puzzled, he didn't quite see, why more money would be taken from his fee. Sparky wagged his tail, just as confused, but Mr. Smith had a story that he used. 'Let me explain it in a way that's fun, and soon you'll see how it's easily done.'

Mr. Smith's Offer

Mr. Smith describing a garden metaphor to Harvey, who is listening intently.

Mr. Smith began, 'Imagine a garden so bright, where seeds grow into flowers overnight. You plant a dollar, and it starts to sprout, and soon you'll see what it's all about. Each week you water, with just a bit more, and watch as your garden begins to soar. The flowers are your money, growing tall and wide, and soon you'll have a garden full of pride. That's how a Roth IRA works, you see, your money grows with interest, just like a tree.'

The Magical Garden

Harvey scratching his head, looking unsure, with Sparky by his side.

Harvey scratched his head, still unsure, 'But how does my money grow, for sure?' Mr. Smith smiled, 'It's the magic of time, the longer you wait, the higher you climb. Interest adds up, like drops in a pail, and soon you'll see your money won't fail. Just start with a little, twenty dollars a week, and watch as your savings begin to peak.' Harvey thought hard, and Sparky did too, wondering if this plan was true.

Harvey's Doubts

Harvey happily looking at his savings account with Sparky wagging his tail.

Harvey decided to give it a try, with Sparky by his side, they reached for the sky. Each week he saved, just twenty dollars more, and watched as his savings began to soar. Four months went by, and Harvey did see, his account had grown, just like a tree. He had three hundred and fifty-five dollars in hand, thirty-five more than he had planned. Harvey was thrilled, and Sparky wagged his tail, they knew that this plan could never fail.

A New Plan

Harvey saving money with Sparky beside him, both looking content.

Harvey kept saving, week after week, with Sparky beside him, their future looked sleek. The garden of money continued to grow, with each dollar saved, the interest would show. Mr. Smith was proud of Harvey's new way, and Sparky would bark, happy each day. Harvey learned that patience was key, and soon his savings grew like a tree. The magic of interest made his money grow, and Harvey's happiness began to show.

A Growing Garden

Sparky finding a shiny red ball in the park while Harvey watches with a smile.

One day Sparky found a shiny red ball, and Harvey knew it was a sign after all. They played in the park, with joy and cheer, knowing their future was bright and clear. Harvey's savings continued to rise, and Sparky's happiness reached the skies. Mr. Smith's advice was truly wise, and Harvey's garden was a wonderful prize. With each passing week, their trust grew strong, and they knew they'd be happy all year long.

Sparky's Surprise

Harvey and Sparky laughing together, showing their happiness.

Harvey learned a lesson that he would keep, that saving money was not just for the meek. With Sparky by his side, he felt so proud, and their laughter would ring out loud. Mr. Smith's story had shown the way, and Harvey's future was bright as day. The garden of money continued to grow, and Harvey's happiness continued to show. With patience and trust, he had found, that saving money was truly sound.

A Lesson Learned

Harvey sharing his savings story with friends, with Sparky wagging his tail.

Harvey wanted to share what he had learned, with friends and family, his heart yearned. He told them of the garden that grew, and how saving money was the right thing to do. Sparky would bark and wag his tail, as Harvey's story began to sail. His friends were amazed at what they heard, and soon they too were saving, word by word. The magic of interest spread far and wide, and Harvey's joy could not be denied.

Sharing the Knowledge

Harvey's garden of money thriving, with Sparky looking cheerful beside him.

Harvey's garden continued to thrive, with each passing year, it stayed alive. Sparky grew older, but still full of cheer, knowing their future was always near. Mr. Smith watched with pride in his eyes, as Harvey's savings continued to rise. The lessons he taught had taken root, and Harvey's success was the sweetest fruit. With patience and trust, they had found, that saving money was truly sound.

A Bright Future

Harvey and Sparky setting out on a quest with a map in hand.

Harvey and Sparky set out on a quest, to find new adventures and do their best. With money saved and a plan in hand, they traveled together across the land. The garden of money gave them the way, to explore new places and brighten their day. Harvey was grateful for all he had learned, and Sparky's loyalty was well earned. Together they faced each new dawn, knowing their future would go on and on.

A New Adventure

Harvey and Sparky living happily ever after, with a garden of money in the background.

Harvey and Sparky lived happily ever after, with their garden of money and endless laughter. They knew that saving was the key, to a future that was bright and free. Mr. Smith's wisdom had shown the way, and Harvey's garden continued to sway. With patience and trust, they had found, that saving money was truly sound. And so they lived with joy and cheer, knowing their future was always near.