<prompt> Human: I worked the last job I will ever work in my life about a month ago. I had a 401k with them which was 4,000. I am less than 30 years old and now have my own business that is in its infancy stages. If I put this money in an IRA I most likely will never see it or get value from it because by the time I can access it I will most likely be very well off. If I take it out, it loses value and I take 2,374. I have about 17,000 in F-you money and about 6-7k in cars which I plan to sellconsolidate to one car about 5k. Once my business becomes steady I want to purchase my first house. I live in an inexpensive area and my bills are approx. 423mo.  <response>: Roll it over into an IRA. On a bad income year, you can roll it over into a RothIRA, you will pay taxes on it as income, but not any penalty. Thats why you roll it into Roth on a bad year, less taxes Then 5 years later you can withdraw the amount penalty free, Not the gains, just the 4kHonestly, it is a bit cocky to believe you will most likely be well off. Most businesses fall flat on their face inside of 3 years, and many more inside of 5 years. Also, 4k in your IRA will still give you plenty of value, it will allow you to reach FI earlier, and you will still be contributing to retirement from your business, so why not start from 4k, instead of 0? 