Roughly half of people are either not putting any money in their 401k accounts or they’re not putting in enough to get a company match. By failing to contribute at least 6 percent, you’re missing out on an automatic raise from your employer. You will get an automatic 3 percent more from your employer if you invest at least 6 percent. That's probably what you got this year for a raise, right? Well, this is another three percent! Are you saving in your retirement plan at work? If not, you should be! Yes, Clark said should. In fact, he’s in favor of mandatory savings. Roughly half of people blow all the money in their retirement accounts when they move to a new job. And that means tons of money in penalties and fees. So, be sure you’re putting at least enough to get the free money, more if you can. You will be glad you did.