 I'm Jay Thomas, and I'm hanging out with the crew from North Star Financial Group. They are rock stars when it comes to your finances, your retirement, and Jay Stibbe's with me. Hey, Jay, I got a question for you. A lot of people do this, or I should say don't do this, and they should be. Why should a person move an old 401k that's just floating around out there or a retirement and put it in an IRA account?