I'm in my 30s with $2.4 million in my brokerage account but only $120k in my employer 401(k)- what should I do with this account?

"Even if you don't have much money in a 401(k), what do you do with it after you stop working?" This highlights the importance of considering 401(k) management post-retirement, as many individuals overlook it. Understanding options available for a 401(k), whether to convert to a different account or leave it as is, can have significant implications during retirement.

"The Redditor has a substantial taxable portfolio, which provides flexibility. However, the smaller 401(k) balance raises questions about how to optimize it for retirement." The contrast between substantial investments and a modest 401(k) illustrates the broader challenge many face in maximizing retirement funds.

"Funds remain tax-deferred, allowing them to grow without immediate tax consequences. No need to pay conversion taxes... However, required minimum distributions will kick in at age 73." This presents the benefits and limitations of leaving a 401(k) untouched, emphasizing the importance of understanding future tax implications.

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