Got an old 401(k) collecting dust after a job change? You're not alone, and what you do with that account might have a big impact on your long-term financial health. In this episode, Ryan answers a listener’s question about whether it’s okay to leave your 401(k) where it is, or if you’re better off rolling it over. Spoiler alert: the answer isn’t one-size-fits-all, but there are some key pros and cons you need to know.

Here’s what we discuss in this episode:

📂 Should you roll over that old 401(k)?

🕵️ Hidden fees and forgotten accounts

⚠️ Potential risks of defaulting to target date funds

🔄 What are in-service distributions?

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