<prompt> Human: So I used to work for a large restaurant group, and recently found out I have over 5k in a savings plan. If I take the money out now, Ill get just over 3k. The money is subject to fluctuation based on how well the company is doing. What do I do with the money? Any help is appreciated. Assistant: What kind of savings plan? If its a retirement account 401k, most likely, roll it over to an IRA.If you need the money now, then you take the hit. The reason you only get 3k in that case is because you have to pay taxes and an early withdrawal penalty.Human: Im not actually sure what type of account it is but Im no longer able to add to it at this point. Would that be 401k? I dont need the money right now just not exactly sure what to do with the money so I though taking it out might be a good idea?Assistant: Talk to the company and ask. It certainly sounds like a retirement plan, and if it fluctuates with how the companys doing its probably invested 100 in company stock if the companys not public, that could make things tricky. But only the company can answer these questions for you.If you dont need the money, dont take it out. Its not much, but its a start on your retirement savings. Dont rob from your retirement, especially if you dont have an immediate need for it.Human: Great advice. The company is publicly traded, but I didnt know they could have a stock account that just shows up as savings at Wells Fargo?  <response>: A savings account would never fluctuate in value the way you are describing. You need to talk to the bank about it. 