<prompt> Human: I started my 401k because of the company match, but when the economy tanked they stopped contributing. So where could i move the 20k i have in there now so it will benefit me more when i want to retire?  <response>: Moving your money out of your 401k would be colossally worse than keeping it there.Youd have to pay income taxes on all of it, plus a 10 penalty. If you invested it after that, youd also have to pay capital gains tax on any earnings. 