<prompt> Human: Ive had a few different pieces of advice on this. I had about 3.5 years in the Florida Retirement System and I am now on a private pension from my current employer. I dont plan on ever going back to FRS since I am not vested. My question is should I take a lump sum payment of my contributions from my FRS or am I better rolling off rolling it into a Roth or something. I currently have a 457 plan and a private pension. Ive had someone tell me Im better off just taking the money for myself and not rolling it over. It is not a lot of money since its only 3.5 years but I do take a 20 tax hit on a lump sum. So Im curious if its better to invest it and let it make some money over the next 25 years or taking it and going on a vacation for the family.  <response>: Roll over to a Roth first. Why take 20 hit if you dont have to? 