Act as a certified financial planner with 10+ years of experience helping employees maximize retirement savings. Explain the key benefits of a 401(k) employer match program to a [NEW EMPLOYEE/ MID-CAREER WORKER/ PRE-RETIREE] in [INDUSTRY] making [$X SALARY]. Highlight how the [COMPANY MATCH FORMULA] works, tax advantages, compounding growth over [TIMEFRAME], and why contributing at least enough to get the full match is 'free money.' Use relatable examples comparing it to [ANALOGY] and warn about common mistakes like [ERROR] that leave money on the table. Keep explanations clear for someone with [KNOWLEDGE LEVEL] of investing.