<prompt> Human: Gah. I consider myself to be conscientious and intelligent so this hurts. A lot. I have an old 401k and cash balance plan from my years as a receptionist before law school. Its over 30k. I should have rolled it over to a Roth IRA during law school. It would have been taxable income then, but that would have been my only income. Now doing the same would cost me 33 of it in federal taxes alone. That hurts. To be clear, Im not complaining about my taxes - just that this is all self-inflicted.PS. It was posting to this forum that made me finally figure out how 401ks and IRAs work. Thanks. And I hate you for this realization.  <response>: Youre not an idiot, you made a mistake. Big difference. 