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I don't post often but last time I did I got tons of great responses so I thought I would try again.

I am about to change jobs and I am faced with a decision to make regarding my 401K.

I could leave it where it is but no longer be able to contribute to it - it would still grow as it is but obviously I would do better if I could contribute to it.

I could leave it where it is and wait until I am eligible for my new employer's 401K and roll it over into it. This could take up to a year.

I could open a Traditional IRA and roll it over into it immediately and manage it on my own - I have been doing quite well with my own portfolio and my Roth IRA over the years.

I could open a Traditional IRA and roll it over into it and if/when I become eligible for my employer's 401K I could roll it over into it at that time.

So I have a few options here. Confusing the matter I also have a Roth IRA. If I open a Traditional IRA does this mean my maximum contribution between the two accounts is $4000 or is it $4000 each?

At the moment, I think I should open a traditional IRA and roll it over into it. That's what my gut tells me. Are there any other options?
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