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                      | Good morning, Daily Money crew, it's Nathan welcoming you to Monday. | 
                                                                              | Are you an Oscars watcher? I am. And I must say, I'm still reeling from that gobsmacking conclusion to the show last night. | 
                                                                              | Well, dazed though we may be, here at Daily Money, the show must go on. | 
                                                                              | On to our ...  | 
                                                                              | 💡 INSIGHT OF THE DAY: Are you increasing your 401(k) contribution each year? You should consider doing so by 1%, says Andrew Rosen, president and partner of Diversified Lifelong Advisors.  | 
                                                                              | "Although gradually increasing your investment by 1% does not seem like a lot, an extra $100 invested into your 401(k) over the span of 30 years really adds up," Rosen said. | 
                                                                              | The difference could be hundreds of thousands of additional dollars in your account. | 
                                                                              | 📰 Here are our top stories: | 
                                                                              | 1. What will the office look like if and when you go back? It could be a lot different, according to our new reporter, Swapna Venugopal Ramaswamy. | 
                                                                              | 2. Planning to move to a low-tax state? Do your homework first. | 
                                                                              | 3. Tax refunds are still slow in the making for millions of Americans. Check out Jessica Menton's story if you're still waiting. | 
                                                                              | 4. Ever use the AirDrop on your iPhone? Experts have exposed a security flaw with the feature. | 
                                                                              | 5. This is worth twisting over. It's National Pretzel Day, and Kelly Tyko has a roundup of deals. | 
                                                                              | Excuse me while I go grab a cinnamon sugar pretzel. For breakfast. Because I can. | 
                                                                              | --@NathanBomey | 
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