<prompt> Human: Recently laid off, I have a pension account of approx 16,000. We are moving to a new city and buying a new house. Should I take the lump sum to help pay for a down payment on a house or roll it over to my 401k? edit: I have a new job in a new city and have to move  <response>: Itd a retirement account... roll it into an IRA. Dont penalize future you for buying a house now. 