If you don’t have a 401k plan at work, start one today. That is just one of many things you can do to immediately make a positive impact on your financial prospects. 

Most companies with a certain number of employees will offer this kind of a retirement plan – many even offer some sort of company match. That means that the more you put in, the more your company will put in for you. It’s free money, and if you are not taking advantage of it, you are simply flushing it down the toilet. 

If you already have a 401k plan through your employer, you should consider increasing the percentage of your earnings that you invest each month. The more you are able to put away now, the greater the sum will be when it comes time to retire. 

The Simple Dollar offers up 8 different actions you can take today, including the above, to improve your personal finances. Read the all here.

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