Do You Think You Can’t Afford A 401(k)? Check Your W-4

If you are eligible for a company 401(k) plan, but haven’t signed up because you can’t afford to contribute to the 401(k), I have two questions for you: Does the plan have a match? And, do you get a tax refund? If so, we need to talk.

I’d also like to talk with all of the people who participated in the CNBC Your Money Survey in August who do not contribute any money to an available 401(k) or employer-sponsored plan (41% of those surveyed).