Many companies featured on Money advertise with us. Opinions are our own, but compensation and
in-depth research may determine where and how companies appear. Learn more about how we make money.

Kiersten Essenpreis for Money

In the investing world, it's one of the few rules of thumb that applies to everyone: If you have a 401(k) plan, invest at least up to the level of the company match.

It’s free money, after all. But what about when that company match goes away –- then what?

In times of financial crisis, when liquidity is at a premium and companies are trying to hold onto every nickel they can find, guess where they sometimes look for cuts? The employee 401(k) match.