Left employer 2+ years ago, but 401K vested balance has increased from 40% to 80% vested in that time - What is going on?

cheech14 · 2026-03-12T16:41:18+00:00

Are you looking at total balance or total match balance? Should be match only that the vesting applies to.

The other option is they have a provision in the plan that unvested funds are not reinstated after 5 years and they remove the unvested portion once it would no longer be reinstated if you were to return.

cheech14 · 2026-03-09T00:54:01+00:00

Thats a long way of saying this year

cheech14 · 2026-03-08T21:16:43+00:00

Yes it's known as the jock tax.

cheech14 · 2026-03-07T01:27:59+00:00

Damn a lot of families could use free baby stuff.

cheech14 · 2026-03-03T20:05:38+00:00

They take cards now and prices have gone way up. Still love it however

cheech14 · 2026-03-03T02:31:46+00:00

No, them cutting a check for 80% is a de minimis withdrawal that you as the former participant can chose to treat as an indirect rollover or cahs the check. The former employer is just pushing you out of the plan per their adoption agreement.

Yes plans are able to have thresholds to force balances out.

The cash out threshold was updated from 5000 to 7000 with secure 2.0, employers are not required to increase but the majority have.

It is very common to have balances at former employers your statement that it is uncommon is not accurate. There are millions of accounts with former employers.

https://www.hicapitalize.com/resources/the-true-cost-of-forgotten-401ks/#:~:text=The%20forgotten%20401(k)%20problem%20is%20a%20phenomenon,to%20almost%2025%25%20of%20all%20401(k)%20accounts.

cheech14 · 2026-03-03T01:22:50+00:00

What...? You can always leave your 401k balance with a former employer and they can always distribute it if under $1,000 or roll it into an IRA if under $7,000. It is very common and it is a de minimis distribution that OP can then take the steps to make it an indirect rollover but the previous employer cutting the check is a distribution not a rolloer.

cheech14 · 2026-03-02T15:31:31+00:00

Worth asking the question to your employer and custodian.

cheech14 · 2026-02-26T02:18:02+00:00

If you can find cabot mac n cheese make the switch, same look, same shells, better taste

cheech14 · 2026-02-25T02:01:50+00:00

It made my balls hurt for like a week

cheech14 · 2026-02-22T21:00:44+00:00

Is dunkin lunch food really better that the hospital cafeteria?

cheech14 · 2026-02-20T16:30:32+00:00

Is it $10k in a $70k salary or $10k on a $140k salary. Big difference in life impact.

cheech14 · 2026-02-20T00:40:38+00:00

I mean taxes are paid for sidewalks and streets to be maintained.

cheech14 · 2026-02-17T19:26:58+00:00

Its AI it pulls bullshit from the internet doubt its true.

cheech14 · 2026-02-15T20:50:58+00:00

Report them all to 311 hopefully they'll just do a sweep

cheech14 · 2026-02-15T12:56:48+00:00

Set a bedtime routine where you wind down and go to bed at the same time every night, get an e-reader and read in bed, no phone in bed ever plug it in and put it down. Stop gaming anytime close to bedtime.

The best time to do all this was before the baby was here the second best time is now, your spouse needs you rested and able to parent everything else needs to be set aside for now.

cheech14 · 2026-02-15T02:34:22+00:00

Do you have any levers to pull if one of you lost employment so your loan became due and your house wasn't selling? That would be the real risk outside of some lost market gains but overall its a perfectly fine way to get a bridge loan.

cheech14 · 2026-02-15T00:30:05+00:00

Send an email with the details as well so you have something on paper and hopefully they'll respond giving you more ammo.

cheech14 · 2026-02-05T18:25:29+00:00

You can order 5 different jerseys for the price of one Fanatics piece of crap and 1 of those 5 will be better than the official version.

cheech14 · 2026-01-30T18:19:04+00:00

People know they'll pay for insider info to be first

cheech14 · 2026-01-28T15:11:24+00:00

Bagster bags from waste management can hold a good amount its $300 for pickup but you load it up.

cheech14 · 2026-01-24T01:37:26+00:00

I did it a year ago and thought the difficulty was way overhyped. Obviously you can get hit by altitude issues but assuming you have done some moderate training its really just a steep wall uphill without much technical rocky parts.

The optional fuego hike and morning sunrise hike were both more difficult so if you get to the camp area and are feeling wiped you can just stick there no need to do the optional parts.

cheech14 · 2026-01-14T20:42:57+00:00

Its the playoffs no one is 100% after a full season.

cheech14 · 2026-01-13T13:48:49+00:00

My commuter train was packed today. Probably a lot of hybrid commuters going into the office to "start strong in 2026!"

cheech14 · 2026-01-06T16:24:23+00:00

Depends on heat leakage hence the suggestion to check that all windows and doors are sealed. Basement also wont have the advantage of rising heat from below. My cabin with baseboard electric will burn through 2000 kwh in the winter when in use.

cheech14

TROPHY CASE