Leaving employer, what to do with 401K

Starting new job and want to know what’s the best thing to do with my funds from my 401k (old employer). Should I use a percentage for a down payment on my new home, invest, or rollover into another 401K or ROTH? Is a combination of the three possible? 30 years+ away from retirement and looking for the least tax hit.


Roll it over to a rollover IRA. No tax implications, you reduce fees from your former employer 401k. The only exception is if you plan to do backdoor Roth IRAs in the future and don’t have any “traditional” money in IRAs, then I might roll it over to your new 401k if you have one.