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There may be some other good reasons to leave your money in an old 401k but the only ones that seemed really good to me were;

1) 401k's will allow withdrawals without a penalty at the age of 55 instead of 59.5 if you were working at that company the year you turned 55. This can be useful to people retiring early.

2) You have company stock in the 401k. There are all sorts of special rules about company stock so if you do have any in a 401k you need to understand them (I don't) before you do anything with the company stock or selling the stock can cause you to pay more in taxes than you should.

3) The 401k has really good options that you can't get on your own. This would be very unusual since most 401k options are not as good as the basic index funds that you can buy directly but it does occasionally happen.

4) You have re-married and you would be mixing pre-marriage money with post marriage money and it might be considered jointly owned if you got divorced again. You could still roll the money into a separate IRA that is all pre-marriage money. There are lots of variations on how this works depending on the details and what state your are in.

If these don't apply to you then I would probably roll the old 401k and TSP into your traditional IRA for simplicity.

There are several ways to do funds transfers but if it is not done correctly then you can end up in an expensive mess. By far the best way to do it is to contact they company that managed the traditional IRA that the money will be going to and let them handle getting the money. They will walk you though the forms to fill out then they will contact your old companies to transfer the money directly to them. It is not unusual for there to be a processing fee by the old company of maybe $75.

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