<prompt> Human: Im 24, I quit my job which offered a 401k for a better opportunity working for municipality. My new job doesnt have 401k it has NYS deferred Comp. Is it possible to roll over? Should I just take out the money out of my 401k? Not really sure , still new to the whole retirement thing.  <response>: I would recommend that whatever you do, dont transfer the old 401k to yourself. I think the two best options are either putting it directly into a new tax advantaged account if thats possible, or, and it may be an equally good or better option, you could just let the old 401k remain as is. If the old one has funds that you like, or funds with especially low expense ratios then you could just keep it if you dont mind checking in on it. The money in there will compound, you just wont be actively adding to it anymore. 