Thanks, GJ. I'm 47 so not real close to retirement age. I don't own my home - I actually lost it last year when I wasn't able to keep up with the new adjustable rate payment. I lease now and like it much better - I know I don't have the benefits of being able to borrow against it but just being out from under that ton a debt is a great stress reducer.

Fidelity advised me to roll over the 401K into an IRA Money Market account. That way I will have access to the money should I need it and not have to pay a penalty. I will have to pay taxes on anything I take out, though.

Thanks for the helpful advice! Hey, how's your new job going?