I’m 45 With 20 Years to Retire. Ignoring My 401(k) Match Could Cost Me Almost $115,000.

At age 45, skipping your 401(k) match means giving up more than your employer’s contribution. You also lose the potential investment growth this money could earn over the next 20 years. Depending on the size of the match and the investment-return assumptions used, that could leave you with almost $115,000 less by retirement.