<prompt> Human: I recently quit my job and will be starting graduate school. I currently hold a 403b with Prudential through my old company, but was told that I dont have enough in my account with them, so if I dont do anything with it for 80 days, theyre just going to cut my a check and Ill get screwed on taxes.I know I can rollover to an IRA penalty free. Any tips on who to go with? I was thinking Vanguard as they seem very straightforward with low fees and good options for index funds. My goal is to just use the account as a temporary holding place until I see what my next employer 2 years offers. Thanks!  <response>: Go with Vanguard. 