• Employer match: Money your employer adds when you contribute — for example, 100% of what you put in, up to 4% of your pay. Not contributing enough to get the full match leaves free money on the table.

1. Get the full employer match — it's free money.
2. Traditional = tax break now. Roth = tax-free later.
3. Check irs.gov for yearly limits.
4. Don't cash out when you change jobs — roll over.
5. Start early; time does the heavy lifting.

1. 1. C. $2,5005% of $50,000 = $2,500. Your employer then adds $2,500 too.
2. 2. A. Roth: pay tax now, tax-free qualified withdrawals later. Traditional: tax break now, taxed later.It's about when you pay taxes: now (Roth) or later (traditional).
3. 3. FalseEarly withdrawals usually trigger income tax and often a 10% penalty, and you lose the growth. Roll it over instead.

1. 1. You contribute $3,000; the employer adds 50% of that: $1,500.
2. 2. Traditional: tax break now, taxed when you withdraw in retirement. Roth: taxed now, qualified withdrawals are tax-free later.

Answers will vary. Look for reasoning that uses the lesson's key ideas:

• Get the full employer match — it's free money.
• Traditional = tax break now. Roth = tax-free later.
• Check irs.gov for yearly limits.
• Don't cash out when you change jobs — roll over.
• Start early; time does the heavy lifting.