Perry is a 27-year-old paralegal who makes $35,000 annually. His law firm has a 401(k) plan and the firm matches employee contributions, but Perry does not participate in it, although he is eligible. He wants to save for retirement and is considering a variable annuity. Perry consults an investment adviser representative. The most appropriate advice that the IAR can give Perry is that he should:
A. Join his employer's 401(k) plan
B. Wait until he is older to save for retirement
C. Buy a variable life insurance policy
D. Invest as much as he can in a variable annuity every month