<prompt> Human: I am a 30 year old single male. I recently took a new job paying 50k, which matches 3 of my 401k contribution, once I have been there 90 days. Currently I have two retirement accounts. 1. Roth IRA with around 8k. 2. 401k with 18k. Im not sure if I should roll my 401k into my Roth, or into my new 401k I will be starting shortly. Any and all advice is appreciated!  <response>: Dont roll your old 401k balance into your Roth IRA unless youre prepared to pay income tax on the entire amount. More than likely, rolling it over to a Traditional IRA would be a better option.If your new employers plan has sufficient low-cost index-based investment options, charges no additional percentage-based asset fees, and allows rollovers from other 401k plans or from IRAs, then it would be a good destination for your old 401k monies. Otherwise, prefer a Traditional IRA. 