<prompt> Human: I am 26 years old and have a sizeable 401k account of 27,000. My company does not match my contribution, they do profit sharing based on our incomes. For me, this is about 3000 a year from my employer. I used to contribute 15 of my income, but have recently pared down to 7 to focus on paying off my school loans only 6000 left, HOORAY!I am confused about ROTH Iras. I hear that they are a more wise choice because my contribution will be taxed immediately, as opposed to the future with my 401k. My question is- should I move my money to a ROTH account? Or should I leave the balance here and open a ROTH account and solely contribute to it in the future? Another option I havent considered? What would be the wisest thing to do?Sorry if my terminology is incorrect, and thank you in advance for any advice!  <response>: your money is fine where it is. its not worth the hassle to roll it over to a traditional IRA and then convert that to a Roth IRAbut from now on, open a Roth IRA and invest 5000 a year the maximum 