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I just started a new job and I don't know if I should roll my old 401K over directly into my new
employer's 401K or if I should put it in a IRA. I need some Foolish advice.

I think there are two considerations. First if you roll to the 401k and that plan lets you make loans you have a potential advantage. However, if you roll to an IRA you can convert to a Roth which at your age is probably the way to go. Based on the info you gave I would go to an IRA to start.
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