I WAS given that speech, but didn't really get into investing until my mid-30s. I did, however, buy my first house when I was 25 so I guess you could consider that an investment. Was pretty "house poor" for the first 10 years or so.
IRAs/401ks didn't exist until I was in my 30s, no company I ever worked for had any sort of pension plan.
Never got the speech. All my pensions were disolved as my companies got bought out. Learned investing late. Thought bank accounts were it. Then I met a girl and reality stepped in. LOL.
