What should you do with your 401(k) during a job change? In this episode of the Ask Ralph Show, Ralph answers a listener’s question about navigating this important decision. He breaks down the options—leaving it with your old employer, rolling it into an IRA, transferring it to a new plan, or cashing it out—and explains the tax consequences of each. Ralph also shares biblical principles of stewardship, generosity, and trusting God to guide your choices. With personal stories and practical tips, this episode offers wisdom and encouragement to help you make decisions that honor both your faith and future—without making choices that could derail your 401-K.
Read today’s blog article: https://www.askralphpodcast.com/blog/can-new-job-offers-derail-your-401k/
https://www.askralphpodcast.com/derail-your-401-K/
Podcast Timestamps:
00:00 Episode Overview
01:44 Listener's Question: Candice's Dilemma
02:54 If You Have A Question You'd Like Answered, Head Over To https://justaskralph.com/
03:05 Live Show Reminder: https://askralphpodcast.com/live
03:17 Biblical Principles and Financial Stewardship
04:14 Today’s Gratitude Statement
05:29 Real-Life Examples: Ben's and Lisa's Stories
09:22 The Power of Early Savings
10:41 Understanding Your Options: 401k Management
16:33 Investment Options You Might Find In An IRA
22:01 Understanding Tax Implications of 401k Distributions
27:06 401K LOANS - Special Considerations
28:15 401k Loans and the Rule of 55
29:00 Roth Conversion Option
30:10 Biblical Wisdom for Job Transitions and Financial Decisions
34:15 Visit https://www.askralphpodcast.com/blog/ for Free Financial Resources
34:50 Reflection Questions
38:00 You Can Support the Show by Visiting https://askralphpodcast.com/support
39:15 Recap and Closing
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