How to screw yourself with a 401k plan

I’ll keep this short and to the point.

1. Don’t participate
2. Don’t participate at a level to receive full employer match
3. If automatically enrolled upon employment stay at the initial percentage level and investment funds
4. Take loans and hardship withdrawals
5. Panic on stock market dips and lock in your losses
6. Don’t diversify your investments. Using two different large cap index funds is not diversification
7. Take too little or too much investment risk for your age
8. Don’t rebalance your investment mix periodically
9. Ignore fees and other costs, especially if you rollover funds to an IRA
10. Don’t take advantage of the Roth option if available, at least for a portion your contributions