<prompt> Human: Greetings, PF. Got a small dilemma on my hands - recently started a new job and I need to decide what to do with pension funds I received during my tenure with my previous company.The amount is small about 3kish, I dont need the money but it would be fun to splurge on something or pay some bills. My options are either to start an IRA account I dont currently have one or receive a check for my pension balance less any penalties 10??. Thoughts??  <response>: Start an IRA with Vanguard. 