You Pass Up Free Money
If your employer matches employee contributions to a 401(k) 
but you're not participating in the retirement plan, 
then you're passing up free money. If you let rewards points
 from loyalty programs or credit cards expire,
 then you're passing up free money.
 If you claim the standard deduction on your tax return
 when you qualify for itemized deductions that could lower your tax bill even more,
 then you're passing up free money.

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