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@krae991 Fair enough. I don't entirely agree on "doing something" being better than not. Everyone is jumping down my throat for saying "it depends" instead of giving one size fits all blanket advice that rollover to an IRA is always the right choice. This is one of those things where making a...

@krae991 Lingering 401ks or not isn't really the deciding factor. If my wife was working even half time we might be in that territory. I do work in tech in a high cost of living area, so that's a factor. My first company out of college had a really good 401k but the next one didn't have a 401k...

@krae991 Pro-rata rule. Back door Roth conversions are more complicated and cost more in taxes if you have a traditional IRA balance.

@bill55 I disagree without more info. My most recent employer has a fairly decent plan in terms of costs and investments, but my other 2 are still better. I somewhat regret not rolling my 401k from employer 1 to employer 2 since employer 2 has the best plan, but employer 1 is still better than...