Key Points You don't want to give up free money in your retirement plan. It's important to understand when you're eligible to keep your 401(k) match. Investing too conservatively could limit your portfolio's growth. The $23,760 Social Security bonus most retirees completely overlook › Sometimes, despite your best efforts, retirement savings can fall by the wayside. And you're certainly not alone if you've had that experience. After all, when you have pressing bills to cover, it's kind of hard to ...