So I start a new job with the state (MA) on Monday and I’m trying to figure out what I should do with the money in my 401k that I had with my previous employer? Obviously MA doesn’t offer a 401k, just a pension. Though they do offer a “SMART Plan” which I guess is a 457 plan? All contributions are voluntary not matched by the state. I declined to open a 457 as money is tight and I want all the money I can get for the time being. Maybe later I’ll start a 457 plan but for now I’m just banking on the pension for retirement - assuming I can put up with this job for 30 years.... Anyway, I’m not all that knowledgeable when it comes to retirement/financial stuff. Just curious if there’s any financial planner type members here that have any advice? FWIW, I’m 31 years old. The balance of my 401k isn’t a huge amount - low 5 figures. Thanks!