Some companies match a portion of a worker’s contribution to an employer-sponsored retirement plan such as a 401(k). Employees who do not already contribute enough to get the maximum employer portion could consider contributing more. The rules do not allow lump-sum investments into a 401(k) – the contribution must be deducted from a paycheck – so use the tax refund money to make up the difference in take-home pay after increasing the amount withheld from a paycheck.
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