<prompt> Human: well, 403b since its at a hospital, but I figured theyre the same in principle with regards to this question...my current company matches up to 10 of my salary, so thats what I set my contribution to.my new company, however, matches 8 regardless of what I invest myself. so, starting on my hire date and on the anniversary every year after, the company makes a lump deposit of 8 of my salary into the 403b account but does not matchcontribute outside of that.with that in mind, would it make any sense to lower my contributions and invest the money elsewhere, or keep up with my usual 10?fwiw, Im 33, so still relatively far away from retirement... I have a Roth IRA that I contribute to, but at the end of the year, I dont always have the free money to fully max it out for the year hopefully that will change with the new job, since its a nice 30k raise. I dont hit the IRA income limits currently.on a side note, what happens to a 401k when you leave a job? Ive had the same employer since graduating college, so this is the first time Ive had to worry about it... do I roll it over into my IRA, or into the new 403b?  <response>: I would fill up to match since your new company doesnt have a match and automatically contributes, then I wouldnt contribute, then fill up my IRA, then fill up my 403bIf you have an old account, you can leave it be, or you can roll it over. Most of the time its better to roll it over to an IRA. 