This seems to be the most savvy forum I am on when it comes to off topic threads, or at least it did when I visited more often haha.. I have financial question, my wife was recently laid off from her job a couple months back, upon leaving we get all the info on the remaining 401k she has with the company. She was fully vested so she will get 100% of it and it quite a chunk of change as well. The company worksheet says our options are as follows: -Cash out with huge penalties (this is just plain stupid in my book unless you are desperate for cash) -Leave it where it is and we will continue to get an annual report -Roll over into a new retirement program like an IRA -Roll over into new 401k (granted she lands a job with a 401k plan) Definitely not going to cash it out. Now if you research IRAs they all say it would be in your best intensest to transfer to an IRA, but then again its a service they are providing so they are going to push it. Any advice on how it should be handled?