Consider that you are 35 years old and have just changed to a new job. You have $146,000 in the retirement plan from your former employer.

Consider that you are 35 years old and have just changed to a new job. You have $146,000 in the retirement plan from your former employer. You can roll that money into the retirement plan of the new employer. You will also contribute $6,800 each year into your new employer's plan.