Getting pension ~20K from previous employer. Confused between cashing it out with tax and penalty , moving it to Roth IRA with tax and penalty or moving it to 401k with tax. Can’t do traditional IRA as I have roth. Any thoughts ?

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Talk to a tax accountant or a financial advisor. This could be a very costly decision if not well thought out.

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Why can’t you do traditional Ira? Because you do backdoor Roth?

If you roll it into another retirement plan you are not taking it early. If you cash it out you are and would have a penalty. If you can, I would roll it into the 401k and not mess up the backdoor Roth.

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