<prompt> Human: Hello everyone. Im a 23-year-old international student about to leave the US. I was allowed to legally work for 1 year and now have 5k mostly Roth in my 401k with my company. The company policy allows me to keep my 401k if the balance is larger than 1,000 - it means Im qualified. However, should I cash it out or roll it over to an IRA account? After I leave the US, would I still be able to maintain the account oversea and cash the money out anytime?  <response>: If its Roth, you only have to pay a10 penalty on your profits. For 5k I would just cash it out if Im not returning to US. Taxes and penalty would be minuscule. 