What do you do with your past company’s 401K when you switched agencies?

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Put it in a Roth IRA. Then continue to try to max out your Roth contributions every year, in addition to your 401(k), as long as you still qualify in terms of your earnings. Roth IRA contributions are post tax but after are completely tax free. So if you wind up putting in $100K then just let it sit and grow for the next 30 years and it becomes $500K, that $500K is yours tax free upon retirement.

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Leave it or roll it into an IRA

Put it into a roll over IRA. Did it at Schwab

I rolled mine into my new agency’s 401k so I’d be able to manage it all in one account. You can also just leave it. You can still manage it but not contribute to it. Just depends on what you prefer to do,

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