<prompt> Human: I had a summer internship last summer where I had a 401k. I am not working with the company currently. I will be going back next summer. Anyway, they randomly sent me my 401k money in the form of a check for a few hundred. What happens if I use this money? I think it has already been taxed, as the total distribution is more than the amount the check is written for. Im confused on why they sent this already as well. Thanks!  <response>: Call them and askIf you havent already been penalized and taxed for early withdrawal, open a traditional IRA with Vanguard and contribute the same amount of money within 2 months 