You're Leaving Free Money at Work Every Single Day - 32

Action Item: Log into your benefits portal this week and write down one benefit you did not know you had, then start using it.SummaryIn this episode, I break down why your employer benefits are worth a lot more than most people realize, and how ignoring them is quietly costing you money every month. I walk through the key benefits you need to review, including your 401k match, health insurance, disability coverage, pre-tax commuter benefits, and student loan repayment assistance through IRC Section 127, which is now a permanent tax-free benefit. I also introduce Hailey Miller, a 26-year-old Operations Analyst who spent one evening in her benefits portal and unlocked over $7,000 in annual value she had no idea existed. The takeaway is simple: you do not need a raise to see more money. You just need to actually look at what your employer is already paying for.Resources & Links MentionedHow Can Young People Maximize Their Workplace Benefits? https://www.standard.com/ahl/news-and-insights/how-can-young-people-maximize-their-workplace-benefitsFPYA Employer Benefits Evaluation Checklist: https://fp4ya.com/guide/investingEmployer Health Insurance: How Much Does It Really Cost? https://npabenefits.com/average-health-insurance-cost-per-month-through-employer/Long-Term Disability Insurance: Is Employer Coverage Enough? https://www.usbank.com/wealth-management/financial-perspectives/financial-planning/long-term-disability-insurance.htmlQ&A: Employer Student Loan Repayment Rules for 2025-2026 https://blr.com/resources/hr-hotline-qa-employer-student-loan-repayment-rules-for-2025-2026/Student Loan Repayment Permanently Part of Section 127 https://youbenefited.com/resource/student-loan-repayment-permanently-part-of-section-127/Employee Benefit Preferences by Generation https://inspirafinancial.com/business/insights/health-benefits/employee-benefits-by-generationTimestamps[00:02:35] The invincibility mindset and why young adults leave benefits on the table[00:04:19] Retirement benefits: 401k match, Roth options, and what to confirm with HR[00:06:00] Health insurance: why you need to compare plans every single year[00:07:27] The real cost your employer is paying toward your health insurance[00:08:25] Life and disability insurance: what your work plan probably isn't covering[00:11:12] Section 127: how your employer can help pay off your student loans tax-free[00:13:47] Hailey's case study begins[00:18:27] Key insight and what to do nextEmail me at [email protected]