 Another reason not to have a 401k is if you're no longer working at that company. So if you've left an employer and you still have a 401k sitting at that old job, at that old employer, you need to get that money under your thumb as quickly as you can. Never leave it with an old employer. You get yourself in control of it. And I've seen cases, in fact, one here recently, husband and wife, they had each had four jobs in the past.