Daily Money: 401(k) investing advice; low-tax states; tax refunds late for millions

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.

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💡 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