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

The Closest Thing to FREE MONEY 🤑

23 May 2026 · 1 min

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In this short video, Mark Kohler introduces the concept he calls “match and out,” describing employer 401(k) matching contributions as the closest thing to free money in the tax code. He explains that when a workplace retirement plan offers a dollar‑for‑dollar match—e.g., a 4% match on a $120,000 salary—contributing the matching amount ($4,800) instantly yields a 100% return because the employer adds the same $4,800. Kohler argues that no investment strategy can beat this guaranteed return and urges viewers to take full advantage of the match. He highlights that up to 25% of working Americans fail to capture this benefit, leaving significant wealth on the table.

Chapters

This is the closest thing to free money in the tax code. And I've been talking about this a lot the last few years. I call it match and out. What it means is that if you have a workplace retirement plan with a 401 match, let's say you earn $120,000 a year and your employer offers a 4% 401 match. So if you contribute 4%, $4,800, the employer adds another $4,800. They match it dollar for dollar. That is an immediate 100% return on that portion of your money. No investment strategy is going to beat that. And you want to double that money. And what's crazy? Estimates are that up to 25% of working Americans don't even take advantage of this.