<prompt> Human: Basically what the titles says. I have about 25,000 in a 401k with Vanguard that I will not be contributing to for at least the next 4 years. I have a Roth IRA with Merrill Lynch and their financial advisers it recommending I rollover my 401k because I no longer work for the company.Any thoughts?  <response>: Have you worked this year? If so, I would wait to do it until 2017, since presumably you will have 0 of income then, so when you convert it from your presumably Traditional 401k to a Roth IRA, you will fill the bottom buckets at 10. You might even want to spread that over two years in 2017 and 2018, assuming you wont be earning anything in 2018 either.Itll be nice, putting that money in the lower tax brackets, especially when you are presumably earning much more as a doctor later. : 