Think you’re getting your full 401(k) employer match? You may need to think again. Even if you max out your contributions every year, the way you elect to defer your paycheck could be quietly costing you thousands in free money.

In this episode, we break down the hidden flaw in many employer match structures, why high earners—like ER doctors—are especially at risk, and how a simple adjustment could mean an extra $800,000+ in retirement savings over your career.