Key Points Make sure you're not saying no to free money. Don't overpay to invest your money. Recognize the value of saving in a Roth 401(k) if that option is available to you. The $23,760 Social Security bonus most retirees completely overlook › One of the best things you can do to set yourself up for a secure retirement is save consistently during your working years. And you have different options in that regard. Many companies offer a 401(k) plan. If yours doesn't, you can always look to an IR ...