We discovered three out of the 10 people were eligible for a 401(k) and weren't even using it at all. And we're financial planners. It's absolutely critical to have.

This is definitely the time of year to get things started. For some people, it's a bitter message. There are things that you don't like doing. But they have to be done.

We have 10 employees at my firm, and we have a matching 401(k) plan. We discovered three out of the 10 people were eligible for a 401k and weren't even using it at all. And we're financial planners. It's absolutely critical to have.

We have 10 employees at my firm, and we have a matching 401(k) plan. We discovered three out of the 10 people were eligible for a 401k and weren't even using it at all. And we're financial planners.

We have 10 employees at firm, and we have matching 401(k) plan. We discovered three out of the 10 people were eligible for a 401k and weren't even using it at all. And we're financial planners. It's absolutely critical to have.

We have 10 employees at my firm, and we have a matching 401(k) plan. We discovered three out of the 10 people were eligible for a 401(k) and weren't even using it at all. And we're financial planners. It's absolutely critical to have.