<prompt> Human: I have a 401k Principal with an old employer that has about 32k in it. Just started a new job and the 401k is run by Merrill Lynch. What should I do with the 32k -- roll it over into the Merrill Lynch one, keep it where it is, or is there a better option? I also have an IRA with Vanguard thats at about 93k right now; just adding that if you need more info. Thanks.  <response>: Roll it into an IRA, that what youll have 100 control of the money and how it is invested. Many 401ks have subpar investment options. The only reason some people advocate putting into a 401k is because you can borrow against those, but not IRA accounts. 