Well I have been enrolled in the 401K since 1999, since then I'm under $40,000. Would boost my contributions, but I need more take home pay than having so much deducted. Anyways, I understand that the company won't match. So what does that mean exactly? Does that mean that when I retire with whatever amount is in my account, I won't get half of that or what? As far as an option to rollover to an IRA, I have like close to $5000. Is it wise to move that over? I could just use some honest advice please.