Leave a job take your money with you
When you quit a job make it a point to take your money from your retirement plan with you. You will have the option to deposit the money into your new employers retirement plan, roll the cash into an IRA, or the forbidden leaving the money with your ex-employer. There is no tax benefit to let an employer, past or present to manage your funds. If you roll your money out into an IRA you will have no tax pentalies and will remain in control of your assets. Now when it comes to retiring never take your money in a series of checks. Take it in a lump sum. This way you’ll be in total control of your hard earned money. You will have unlimited investment options. You can increase income in comparison to cost of living in your ideal mind not what your employer thinks is enough for you.