<prompt> Human: I just got a letter from the town I used to lifeguard for when I was 15 and 16 about my retirement account. I guess because it was a town job everyone got a retirement plan even though it was a seasonal job. Its been 4 years I am 20 and in college and I just found out about this money, its only 354 dollars. Should I take it out? Roll it into another account? Is it worth it to start a retirement account with that small amount of money?  <response>: Roll it into an IRA. 