One in four people who participate in their 401k plans don’t put enough to get the company match. Usually you have to put in 6 percent to get a company match, but it’s free money! If you do nothing else, you should enroll in your 2006 plan. Most employers don’t offer pensions anymore, so the responsibility is on us to save money for retirement. And, if you can, increase the amount you’re putting away by 1 percent every time you get a raise. And make sure you’re not putting any of the money into company stock.