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I just changed employers and have to wait 1 year before I can contribute to their 401K. I can leave my old employer 401K where it is (Vanguard Index and Fidelity Contra), with $15K, or I can roll it over to an IRA and start a new 401K next year with my current employer. What is more foolish? I hate not being able to contribute and get the tax break.

Thanks!
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