<prompt> Human: As far as Im aware, I cant open a Roth IRA since my MAGI is too high. I could roll it into my current employer Roth 401k. Am I correct that I would hurt my earnings if I rolled it into a regular IRA? I can also keep my old Roth 401k as is with my old employers plan; it has already been hanging out there for 4 years since I left that company. Thanks for the help.  <response>: As far as Im aware, I cant open a Roth IRA since my MAGI is too high. You can open a Roth IRA, you just cant make regular annual contributions. You can still rolloverI could roll it into my current employer Roth 401k. Yup, this would be fine as well, if the fund selection options are as good or better as a Roth IRA that you can open somewhere like Vanguard. This is not the case for many 401ks.Am I correct that I would hurt my earnings if I rolled it into a regular IRA? Im not even sure you can do this, and it would be a horrible idea even if you could. You have already paid taxes on your Roth 401k contributions, and if you rolled it over into a traditional IRA, you would be taxed AGAIN when you take withdrawals from that traditional IRAI can also keep my old Roth 401k as is with my old employers plan; it has already been hanging out there for 4 years since I left that company.Again, that depends on the quality of the options within that 401k. Same assessment you have to make when considering moving it to your current 401k provider. 