Regular readers of this blog know that the No.1 good money habit our clients have is that they save first and spend second. Let’s talk about retirement savings, particularly if you’re under age 50. You’re going to change jobs throughout your career, and hopefully you’ll have a 401(k) at each stop. What do you do with your old 401(k) when you make a change? Do you cash it in? Do you leave it where it is? Do you roll it over into your new 401(k)? Do you roll it into an IRA?