In this Episode George goes over an article which appeared in Forbes on February 11th. The author is Edward “Ted” Siedle. Ted IS "the Sam Spade of Money Management." The background of the article circles around IBMs decision, beginning in 2013, to change the timing of the company’s matching contribution to their employees’ 401k from semi-monthly to an end of the year lump sum contribution. Ted has some ideas as to how IBM employees can fight back!