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Greetings, Merieno, and welcome.

<<I just found out I can't roll this over to a ira when I'm done. Is there a way to defer taking it out when I retire? It looks like I'm not going to need it.>>

Your plan itself will specify the distribution options available to you. You should ask your benefits administrator/human resources folks what those options are. In any event, even if the plan allows you to keep your assets in the plan, they must come out starting no later than age 70 ½ under the required minimum distribution rules for all retirement plans. Most plans will allow distribution in annual installments payable over two to fifteen years. That tends to lessen the tax bite. Again, check with your employer to see what your options are.

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