<prompt> Human: I had a 401k from my previous employer with Fidelity, which I converted to a Rollover IRA after I left the company. When I went to contribute to the account, I got a message warning me that I may want to consider contributing to a new account instead - I didnt understand what it was saying really. Should I open a new IRA account to contribute to?  <response>: Contributing to a rollover changes what you can do with that account in the future. Double check those rules before you proceed. 