<prompt> Human: My wife and I both work and contribute to a 401K match through our companies. We plan for my wife to leave her full-time job at the end of this year so that she can stay home with our children and work part-time. We are not planning for her to return to work full-time and we are both mid-20s. My 401K balance is currently 98K.Her 401K balance is currently 75K.Knowing we will not contribute to her 401K fund after she stops working full-time, does it make sense to pay the fees and roll the remaining balance into 1- retirement fund?  <response>: She cant roll it into yours. She can roll her retirement to an IRA in her name.Edit to add:Rolling to an IRA is a no fee cost. Why would you want to pay 7.5k when you could pay 0 and get the same result? Gains are percentage based. It doesnt matter if you have 2 75k accounts or 1 150k account. If they were invested in the same thing, they will have the same result. 