# How to Get More Free Money From Your 401k (The Moves Most People Never Make) SB1870

Page: https://stenobird.com/podcast/the-stacking-benjamins-show-745268/how-to-get-more-free-money-from-your-401k-the-moves-most-people-never-make-sb1870
Text version: https://stenobird.com/podcast/the-stacking-benjamins-show-745268/how-to-get-more-free-money-from-your-401k-the-moves-most-people-never-make-sb1870.md
Podcast: [The Stacking Benjamins Show](https://stenobird.com/podcast/the-stacking-benjamins-show-745268)
Published: 2026-07-20T08:01:00+00:00
Episode link: https://pscrb.fm/rss/p/mgln.ai/e/345/rss.art19.com/episodes/f271ce1a-c8cc-43aa-80b0-efa611245083.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0
Audio file: https://pscrb.fm/rss/p/mgln.ai/e/345/rss.art19.com/episodes/f271ce1a-c8cc-43aa-80b0-efa611245083.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0
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JSON: https://stenobird.com/v1/public/podcasts/the-stacking-benjamins-show-745268/episodes/how-to-get-more-free-money-from-your-401k-the-moves-most-people-never-make-sb1870
Duration seconds: 4498

## Resource

An alarming number of people have access to a 401(k) and are either not using it, not getting the full employer match, or not making the simple moves that turn a good account into a great one. Joe and OG dedicate a full episode to the retirement account that most people take for granted -- covering contributions, matching, investment selection, Roth versus traditional, and the specific decisions that separate people who retire comfortably from people who almost got there. Plus wins from the Stacker community and trivia that will make you the most dangerous person at your next dinner party. What You'll Walk Away With Why the employer match is the single highest guaranteed return available to any investor -- and the specific contribution level that captures every dollar of it Roth 401(k) versus traditional 401(k): the one question that cuts through all the noise and tells you which one to use right now Why your investment menu feels overwhelming and how to make a great choice in under five minutes using one simple filter The auto-escalation feature most people never turn on -- and why setting it up once can add tens of thousands of dollars to your balance without you doing anything else What to do with your 401(k) when you leave a job: the four options, which one is almost always wrong, and which one most people choose anyway Why contribution limits are higher than most people think -- and the catch-up contribution that becomes available at 50 that most people in their 40s don't know to plan for The vesting schedule trap: why your employer match might not actually be yours yet -- and what that means for anyone thinking about leaving their job Why 403(b) and 457 plans follow most of the same rules -- and the one unique advantage the 457 has that almost nobody knows about…

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