3. Get on Board with an Employer Match.
You spend an entire career earning paychecks from your employer. Many large companies offer great benefits packages, but when you get onboard of a company, it is best to research their employer contributions to an IRA plan. The great thing about many of these plans is that when you invest in a certain amount, many employers will match up to a certain amount. While four percent of what you give may not seem like much, consider this a four percent contribution to your retirement years that you did not have before. In addition, four percent when added over the course of 40 years, with the inclusion of interest really can add up after a while. Take any opportunity you can to get into an employer matched IRA if it benefits you.