<prompt> Human: So after much research it looks like retirment accounts any investment account really starts working for you most when as your balances rise.I am currently at 1099 contractor, I think I want a Solo 401K due to the flexibility in contributing. My question though is what happens if I decide to get a full time job in 5-10 years? I cant contribute any longer into the fund without 1099 income...can these funds be rolled over into another account that I can contribute to with W-2 money?I would hate to sock away 40-70K...then not be able to do anything with it after 10 years and start back at 0 with an employer 401k or a Regular IRA.Assistant: Your options would be to roll the money over into your new 401k if allowed by that companys rules, roll it into an IRA, or keep it right where it is and contribute new savings to a different account.You can have multiple accounts, i.e. old Solo401k and new traditional 401k.Human: Hmm thats annoying...because if I have say 60 K in my solo 401k and am forced to start a new 401k with employer starting at 0 and contribute say another 60 KTwo 401k at 60K each...that will provide less returns than one 401K with 120K correct? assuming they are all in the same exact fundsfees etc etc..etc..  <response>: No. All other things being equal two accounts will be functionally identical to one.The differences in fees, fund choice, etc. can make effect performance but the rules are the rules so theres not much you can do about it.Imagine a hypothetical scenario. I open an IRA this year with Vanguard and invest 5500 in the 2050 target retirement fund. Next year I open a separate IRA with Vanguard and invest 5500 in the 2050 target retirement fund. They will perform identically since all other things are equal. 