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Robbins: These mistakes can destroy your financial freedom

What are the three biggest mistakes people are making around their retirement and financial freedom?

Tony Robbins, life strategist and author of the best-selling book "Money: Master the Game," explains that people are not finding ways to save money, they are not taking full advantage of their 401(k) plans, and many are not "retooling" themselves to advance their skill sets.

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"It doesn't matter how much money you have," he said, referring to the ability to save and grow your money. "If you gave up one night [of eating out each week] and you just had a pizza and you saved $50 and you put the $50 aside and then you multiply that over the course of a year," Robbins explained, that cost savings, invested over years — and assuming an 8 percent return — could add up to about a half million dollars.

"It's simple," he said. "Anyone can do that."

Robbins also stressed the importance of people taking full advantage of the opportunities offered in a tax-protected 401(k) plan.

To that point, more and more employees are investing in their futures through 401(k) plans. Employees who participate in these plans assume responsibility for their retirement income by contributing part of their salary and, in many instances, by directing their own investments. Robbins said people need to get a much better understanding of the tax benefits these plans offer them.

Finally, Robbins believes people need to find ways to improve their skill sets to make themselves more marketable.

"No matter what you're doing, you must continue to retool and find some way to improve your skills," he said. "If you keep improving those skill sets in the competitive world we're in, you're going to have an opportunity to earn more and have more [money] for your family."

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However, Robbins believes if you stay with the knowledge base you have today in a knowledge-based economy, you're going to find yourself in trouble because someone's going to pass you by and get that job or that promotion you were looking to get.

"It's just the truth of life today," he explained. "We have to constantly be retooling, finding ways to improve ourselves, finding ways to add more value to our company or to our employees or to our customers."