<prompt> Human: Hi there! Hope you can help me with a 401k question I have: Should I rollover my IRA money into my current 401k, even if this 401k doesnt have any employer match at all? just to consolidate accountsBackground: Im a contractor to the govt, so my employer is a company that is permitted to work with them I wanted the higher pay rate so I chose contracting instead of direct full time employment with govt, I have benefits through my wifes job. I have an IRA with money from previous jobs 401ks. But this jobs 401k doesnt have any match at all, since Im asking my employer just for the minimal admin rate basically they are just a way to clear the paycheck. So they are just a way for me to put money into retirement pre-tax benefits in contrast to putting money to the IRA after receiving the paycheck, or so I believe, perhaps Im mistaken.Thanks for your help!  <response>: 1. No, your IRA likely has better fund selection.2. You can contribute 5500 year to an IRA pre-tax, it doesnt have to go through an employer. 