# 401(k) has a hidden "give money for free" mechanism that most people don't understand.

In many American workers' 401(k) plans, employers will provide **employer match** — you save a portion, and the company adds another portion for you. The average level is 4% of your salary contribution, and the company directly doubles it.

In other words: **instant 100% return rate**.

Comparing the returns of the stock market: The long-term average annual return of the S&P 500 index is about 10%, which takes 7 years to double. But how does this 401(k) match up? Every month on payday, you get a 100% rebate once, fully automated, zero risk.

This "money-making" mechanism cannot be replicated by Wall Street no matter how they operate.

**Core Recommendation**: If your employer offers a 401(k) match, make sure to contribute enough to get the full match. Even if you are already financially free, this "free" benefit is worth taking. Because truly, this is the only stable high return you can obtain outside the investment market.