MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

Stop Over-Investing in Workplace 401ks 🛑

24 May 2026 · 0 min

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In this segment, Mark Kohler advises viewers to first capture the employer’s 401(k) matching contribution—effectively a guaranteed 100% return—then stop contributing additional funds to the workplace plan. He recommends moving any extra money that would have been directed to the 401(k) into other investment accounts where the investor has greater control over investment choices, rather than leaving it in the employer‑sponsored plan by default.

Sometimes the best place to invest your money is not in the workplace 401. So I want to get the match, get that 100% return, invest in whatever they have to offer because it's better than nothing. And I already got 100% match, but then take the additional contribution I would have made at work, which a lot of people just do blindly. I'm going to take that money and put it in a different type of account where maybe I have more control. But again, if they're going to match, I want to get that match and then I get out.