text:  This is one of the biggest mistakes people make that we see, and that is if your company is giving you a 401k match, it is free money. So let's say they match 4% if you put in 5. Before you get a single return in the market, you're getting an 80% rate of return on the money that you put in, and that is significant. So one of the first things that we always tell people to do, max out the match. It's free money. Your company is offering it. Take advantage of it.