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Maximize employment benefits
If you’re not already taking advantage of your company’s retirement plan, 401(k) match or other benefits, what are you waiting for? These programs are some of the biggest perks of working for a company that cares about the financial well-being of its employees.

Some work programs can be complicated, so be sure to stay current on everything offered by your company. Ask your human resources professional to explain employees’ various options.

Retirement Plan: We’re all going to want to hang it up at some time in our lives. If your employer has a 401(k) plan and you don’t contribute to it, you’re absolutely leaving money on the table. Your human resources department should be able to walk you through your options, which likely include contributing more than the minimum to your overall plan.

If your employer doesn’t offer a retirement plan, look into options such as IRAs or SEP IRAs that can help you supplement your income in your retirement years. Work with a local financial professional to discuss your options.

Maximize Your Benefits: Traditional 401(k) plans are likely just one program your company offers. Ask about flexible spending accounts or medical and dental insurance to ensure you’re not missing out on any perks. Health insurance can be particularly expensive on the open market, so be sure to enroll in your company’s program if it is cost-effective for you and your family.

Maximize your benefits and take advantage of the ones that can save you money by reducing taxes or out-of-pocket expenses. You’ll find that some benefits are optional, while some are required by law. Set a meeting with your HR professional to make sure you’re plugged into all the programs that make sense for your financial situation.

Wellness Programs: In addition to health insurance, some employers offer wellness programs for employees, including voluntary exercise and diet activities. These are typically not mandatory, but employees are generally encouraged to work out and make smarter lifestyle choices in exchange for incentives. — Green Shoot Media