<prompt> Human: Excuse my idiocity here, Im not great with finances. I recently received a check from a 403b that I had during my first job post college. I stopped working that job 3 years ago and completely forgot that I had any kind of retirement account there young, stupid, contributed nothing. The check only for 700, taxes already removed. I have approx. 40 days remaining to roll it over into my current employer plan.I left another job last year and have 800 in that account. Im completing the transfer request now, once I figure out who the plan representative is and how to get that signature.Should I make the effort to rollover both of these funds, take one, or take both? I understand there is a tax and 10 penalty but it seems more logical to dump this money in to my student loans since it is such a small amount. Thoughts? Insults?  <response>: The rollover process is not hard, just call the right people at your old plan administrator. I opted to just roll mine over into an IRA, but whatever. Dont take the penalty, the amount is irrelevant. Every little bit you can invest now is helpful. If you get the rollover done fast enough, you shouldnt lose any of the 800 to taxes. 