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Message: <blockquote data-quote="Artee" data-source="post: 2980834" data-attributes="member: 24351"><p>Why don't you just cash out your traditional when you retire and move it into your IRA? That way it will never go away when you or your wife die. I was capped at 15 years on the traditional and the numbers are pretty pathetic especially when you look at the different terms and survivor benefits and how much it will drop per month. I would rather just take the money when I leave which will be $166,000 and put it in my IRA. If everyone is doing like they should as far as contributions, you should have a least 1 million in your 401k when you retire, so that should help a bit.</p></blockquote><p></p>