 out of your 401k into an IRA. Out of your 401k into an IRA. This is done with no tax and no fee. So let's say you've had a 401k for a long time. You're accumulating money in it. It's done real well. You've got $200,000 in it. You're getting nervous. It's too much money that I want in my 401k. I'd like to pull some out. Well, if you want to pull $100,000 out, you can transfer that $100,000 using an in-service rollover into an IRA.