I just resigned and plan to join a startup. What do you guys do with your 401k and HSA when you leave?
Depending on the balance, either leave them in place and track them like you do already, or roll the 401k over to an IRA. Spend down the HSA for anything medical until it is gone. Or (not sure if allowed - I've always just spent it) see if you can do a rollover into the HSA at the new place.
Never spend your HSA!!! Invest it
If you don't have medical expenses, definitely. If you do, use your old HSA first until it is empty.
Your startup will likely not have 401k's, but if they do, and especially if there is a match, transfer those funds to that. Otherwise, just roll it into an IRA.
Yeah they don't.
Or just leave the 401k as is. Rolling over to ira prevents you from doing backdoor Roth
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401k stays as is; and so does HSA. It’s your money.