Given your age; the IRA's & 401(k) are equal; thus, if I needed to make a withdrawal I would do so from whatever account has some cash in it. Regards rolling over from the 401(k) to an IRA; I would evaluate how much you like the investment choices in the 401(k) plan. If you like them & they meet your needs; then leave the money in the 401(k); if not, roll it over & buy other assets more to your liking & needs.TheBadger
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