 If they did, they'd move from the retirement plan at work over to an IRA. That's not a taxable event. You just move from one retirement account to another retirement account. You keep your retirement account at your employer. You continue to make contributions. If they're matching those contributions, they continue to match the contributions. 401k accounts, retirement plans at work can be very, very expensive. Most people don't realize how much they're spending on those. So