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I'm feeling a little uneducated (which I'm trying to address as quickly as I can), and would appreciate some advice, opinions, or pointers...

My wife & I both work for the same company, and both have 401Ks. She is fully vested, and has a good chunk of change in there. Mine is still in it's infancy.

My wife recently left her job to be a stay-at-home-mom (our first child), so we need to do "something" with her 401K. Her official last day was Jan 23, so she has been employed and had 401K contributions this year (if that's relevant to anything?).

The words "IRA" and "Vanguard" feature prominently in my somewhat confused thoughts, but I don't yet feel that I fully understand all our options. I know that in the last few years our income has made us ineligible for a Roth, but that's changed now she isn't working.

Any advice, pointers to good education material, or even opinions would be greatly appreciated. This might be easier than I'm making it, but I don't like the feeling that I don't fully understand my options (I know, I should have thought about that earlier).

Thanks in advance!
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