<prompt> Human: Im a 23 yo college graduate that luckily manage to transition my internship into a temporary job. I say temporary because I plan on returning to school for my Masters degree. Including the internship, Ive been working at my current job for a little under a year now. However, I will be leaving next month for the reasons stated above. In my time here, I elected to partake in the companys 401k option and garnered a small sum of contributions, its rather small because I was not eligible to enroll for about half of my employment. But now that Im leaving, Im not sure what to do with the money accumulated there. Upon leaving the company, I am free to do whatever I wish with the money. As I see it, I have 3 options. 1 Continue using my Fidelity account, which would be 100 disaffiliated with my company, meaning I would pay for any applicable fees stemming from the site. 2 Pull out all funds and pay a yet to be determine amount of tax on it. 3 Claim hardship and pay little no tax, post-secondary education can qualify as hardship under certain cicumstances, although I would definitely have to do more research on it. On one hand, the amount of money is so small that I feel as if its not worth keeping in an active investment account, but on the other hand, I acknowledge the fact that if I kept this mentality my whole life, I would never gain any meaningful amount of money for retirement. Has anybody been in this position before?Assistant: Roll the money over into an IRA. You can probably open one with Fidelity that doesnt have any account maintenance fees or you can always go to Vanguard.Dont pull the money out if its goi to be subject to the penalty. Human: My company has 25 investment options hosted by Fidelity that Ive looked at. All have maintenance fees, but it is possible that more will become available to me after I leave.  <response>: Maybe your 401k has 25 options, if you rollover to an IRA you have unlimited options. Even at Fidelity. 