<prompt> Human: I have a small amount in a 401k 15K and its just been sitting there with no contributions. Im almost debt free and I currently rent but Im looking into buying something soon. My current job doesnt offer anything in terms of retirement so Id like to start investing.Is it a bad idea to roll over to a ROTH IRA because of the taxes Id have to pay? Perhaps a Traditional IRA is better, Im still doing some research but I just wanted to get an idea where I should start.  <response>: Roll it to Traditional IRA, no taxes owed. You can always Roth convert later. 