FLU, generally speaking, it’s better to rollover your 401k into a rollover IRA when you leave the company and then convert it to a ROTH IRA if you can handle the tax, than leaving it in a 401k. The reason why I say this is because you have much more options to invest in an IRA vs a 401k. For every fund type you chose in your 401k, I’m sure there are better performing one out there in the same category. The reason I say convert it to ROTH is because the $ you make will be tax free. Base on your past 11 years, that’s a large amount of $ that would be tax free. I’m with you though on the point of automatic contribution. That’s the easiest way to accumulate $ for the future with very little thinking involve. You tend to spend less too when you see that you have less in your savings/checking.
