# 31 Pick The Low Hanging Fruit *Week 6, Day 1 of [[00 The Wealthy Stoic Course]]* #source/course << [[30 Week 5 Tips and Tools|Back]] | [[32 Don't Fall For Scams|Next]] >>  ## Content A few years ago, we set up a 401(k) savings plan for Daily Stoic employees.  Any contributions they made to a 401(k) would automatically deduct from their paycheck and transfer to the 401(k) account. And we, the employer, would match their contribution.  As we were researching and creating this course, it occurred to us to check to see which employees had set up their 401(k) account. None. None of our employees had set up their 401(k) account. Everybody would like a raise, right? Nobody would turn down more money, right?  Well, we were essentially offering our employees a raise. And none of them went for it (after a reminder, they all did eventually set up their 401(k) accounts). Certainly, it’s more impressive to say “I got a raise” than “I set up my (401)k account.” It's not the most impressive thing, not social media-worthy to carefully budget your finances or to invest in a 401(k) or to create a savings plan. But these simple steps add up. If you're looking to get ahead financially, don't overlook the low hanging fruit. By being smart, setting a little aside, and taking advantage of employer matching, you can take advantage of a great opportunity to grow your financial future. If you have set up a 401(k) with a previous employer but never transferred it over when you switched jobs, check out [Capitalize](https://www.hicapitalize.com/how-it-works/). It's a fast and easy way to track down old 401(k) accounts and transfer them to an IRA, plus it's free! --- ## Activity **Are you enrolled in a 401(k)?** If you aren't, you should look into what your employer is offering. If you already are enrolled in your company's 401(k), revisit the page and see if they've changed how much they match. --- ## Week 6 Workshop List some tasks that currently seem insignificant, perhaps tedious, relating to money. For example, setting up your 401k plan, researching where your money is going, creating a savings account, or doing an odd job for extra cash.  Before reviewing this week’s lessons, do you think you are maximizing your income?