<prompt> Human: I switched jobs recently, and at the age of 27 I have about 22,000 in my 401k. Since it is not longer being matched obviously I was thinking of pulling it out of where it is and putting it into an investment account with Primerica managing it. Thoughts?  <response>: Primerica charges high fees and is a MLM scheme. Any kind of financial planner that doesnt charge upfront is making money off of the back end of your funds, and Primerica also charges a high fee just for the privilege of buying their fund. Roll over your 401k into an IRA at Schwab or Fidelity and buy a target date fund. 