Money

Dear Penny: My Employer Forgot to Fund My 401(k) for 4 Years

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2 years ago

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Dear Penny,

I am a nanny who is paid legally. I’m almost 53 years old. I have been with a family for four years. I started making $720 a week before taxes, and now I make $800 a week before taxes. I signed a contract saying I’d be paid (matching) 4% of my pay into a 401(k). 

I didn’t understand what every line and abbreviation meant on a pay stub. I thought for 2½ years that the 4% was being taken out. I didn’t realize it wasn’t until someone tried to steal my identity. 

When I confronted my employer about

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