23
Take the full employer match
If your workplace adds money when you contribute to a retirement plan, contribute at least enough to receive all of it.
Tip library
Work and windfalls
Pay, employer matches, raises, and money that arrives in a lump.
24
Assign part of a raise before you spend it
If lifestyle costs rise as fast as pay, the raise never becomes savings.
25
Give every windfall a split
Tax refunds, gifts, and bonuses disappear unless you decide their job on the day they arrive.