<prompt> Human: This is the first time Ive started looking into my 401k and actually caring. I didnt even know what I was putting in in my last job.I called Merrill Lynch yesterday and they told me the balance and its locked in 1.61 interest which isnt that hot.My current job is through Wells Fargo and will match 4 once I contribute 8 which I just changed too.So do I roll that 35k over or an IRA which Im still unsure of what that is. Talk to my bank and set one up there? I have no idea, I just want to do something with it soon to get it out of there.  <response>: We generally recommend Vanguard, Fidelity or Schwab. Pick one of those firms and call them up and they can walk you through all the steps needed to rollover your old 401k to an IRA with them. Make sure you actually invest that money once its in your new IRA. A 2045 target date fund would be a good choice. 