How I Used ChatGPT to Boost My 401(k) — and What Business Owners Should Know About Unclaimed Match Money

The other day, I was chatting with some people in my building, and somehow we got on 401(k)s. What surprised me? Most people have no idea how theirs works—and honestly, I get it. No one teaches this stuff. So let’s break it down, whether you’re an employee trying to get more from your 401(k) or a business owner trying to do right by your team (and budget).

First off—your 401(k) is YOUR money

Whatever you contribute? You keep it. Period. But if your company offers a match (free money!), that part might vest over time. If you leave too soon, you might forfeit some of it—annoying, but part of the deal.

Business owners: Are you leaving money behind?

Here’s something most small businesses don’t realize: When employees leave before their match vests, that money often sits in limbo. Your 401(k) provider may hold onto it until you ask for it. I’ve seen companies leave thousands unclaimed—so definitely check.

How I got a 6% boost on my 401(k)

I took my 401(k) fund list (you can find yours in plan documents or ask HR), plugged it into ChatGPT, added info about my age, risk tolerance, and goals—and let AI give me an optimized portfolio. I made a few tweaks, and over the past year, I’ve earned about 6% more than before. Small effort, big return.

⚠️ Note: AI isn’t a licensed advisor, but if you’ve been picking random funds or ignoring your account? This is a low-effort way to get smarter with it.

Quick Takeaways

• Use your 401(k)—especially if there’s a match.

• Review your investments—small changes can add up.

• Business owners: reclaim unvested match money. Don’t leave cash on the table.

  
  

If this feels overwhelming, The Shiftly helps small businesses simplify HR, payroll, and benefits—so you can focus on running your business.

Got questions? Reach out—happy to chat HR and money anytime.