How to Money · Monday, September 14, 2026
Renee is seeking guidance on what to do with her 401(k) after her company was acquired, as the new company offers the same 6% match. The hosts advised her to primarily compare the fees of the old and new 401(k) plans, recommending consolidation if fees are similar or lower in the new plan. They also suggested Renee consider prioritizing contributions to a Roth IRA after maximizing her employer match, and then contributing additional funds to her 401(k) for tax diversification.
“One thing that I want you to look at, Rene, are the fees. Because if the fees are higher than in the new plan, I'm less excited about that. And I would say, hey, let's keep that other plan around, not because it has any sort of special superpower.”
“You roll it over if the new plan has lower fees, you leave it be if the fees are lower in the old 401k, even though it was with technically the same employer.”
“The other is tax diversification, a different kind of account, more flexibility in terms of kind of getting the contributions to that account.”