My niece, 39, is unhappy and not saving for retirement. How do I approach her?

a reader is worried about their 39-year-old niece, who quit a promising career two years ago after a turbulent management change. she's now unhappy and not saving for retirement. the reader wants to know how to approach her about it. the niece walked away from her career after the management change left her overwhelmed. she's 39, which means she has maybe 25-30 years left to save for retirement, but she's not doing it. the reader doesn't mention any current job or income, just that she's unhappy. the advice column will likely suggest the reader start with empathy, not financial lectures. ask open questions about her plans and feelings before bringing up retirement. the niece might need emotional support and career counseling more than a lecture on 401(k)s.