How the Employer Match Really Works | 401(k) Simply Explained
Автор: 401(k) & Beyond with Marie
Загружено: 2026-01-01
Просмотров: 35
Welcome back to 401(k) & Beyond with Marie!
Today’s video breaks down how your employer match REALLY works — including the parts most people get wrong.
We’ll cover:
✔️ What the employer match actually is
✔️ The 3 most common types of matches
✔️ Real examples of how much free money you lose if you don’t contribute enough
✔️ Vesting schedules explained
✔️ The difference between per-paycheck vs annual matching
✔️ What a match true-up is
✔️ How front-loading your 401(k) might cost you part of your match
✔️ What to do to make sure you always get the full employer match
If you’ve ever been confused by phrases like “50% of the first 6%,” this video simplifies everything in a clear, calm, and beginner-friendly way.
👉 Be sure to check your plan to see whether your employer uses per-payroll matching or annual matching — this one detail can save you thousands.
Hashtags:
#401k #RetirementPlanning #EmployerMatch #FreeMoney #MoneyTips #PersonalFinance #FinancialEducation #401kMatch #HRBenefits #MatchTrue-Up #PerPayrollMatch #AnnualMatch #Vesting
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