<prompt> Human: My wife just quit her job hated it, and wants to spend time with our son. She has a 401k with about 60K. What is the most sensible thing to do with it? I called Edward Jones and they will charge 5 of the balance to roll it into an IRA. That seems pretty steep. What other options are there and what is most sensible?  <response>: Convert it to a traditional IRA with Vanguard. 