I am currently looking at changing jobs from a large corporation to a smallish company. I currently have only about $4k in a Roth 401(k) though my current employer. The smaller company does not offer a retirement package through them, so I am trying to figure out my options.
I am pretty young (23) and inexperienced in this area. Should I look at moving the money into another retirement plan right away, or take a cash distribution, even with it's 30% hit from taxes and penalties?
Another wrinkle; I am getting married in 3 months, so a cash distribution would greatly help pay down some credit card debt that I have prepare for the wedding, to avoid any interest charges (I know, I know, I shouldn't be carrying a balance anyway :-) ) It's not a huge amount in the account currently, so I would also like advice on what to do after the company switch and wedding!
Thanks for the advice!