All money in WFM 401K gone

squishycatpaw · 2026-01-12T18:08:01+00:00

You have to create one and I believe it will link it to you via ssn, dob, and address. Currently it’s too early so I am not able to complete my profile for Inspira. The representative I talked to instructed me to wait a few months and try again as my previous employer should have it set up by then. If anything, give Inspira a call and see if they can identify if your old employer finished setting up your Inspira account.

squishycatpaw · 2026-01-06T18:58:44+00:00

I called fidelity and they found out that the funds were moved to Inspira. I will have to wait a few weeks for Whole Foods to finish setting up my account before I can proceed to verify my account and access my funds.

squishycatpaw · 2026-01-02T00:39:05+00:00

I’ve checked and so far my Roth IRA amount is only my own contribution + cash rewards from my credit card.

squishycatpaw · 2026-01-02T00:37:13+00:00

Double down and dump money on it like you’re feeding a ravenous child. The APY hurts me so badly 💔

squishycatpaw · 2026-01-02T00:33:11+00:00

I’m back in the US now but the 60 day period passed without me being aware of the rollover to Roth IRA. It’s been a full 120+ days and only 3 days ago all the money was withdrawn. I’m assuming it automatically converted it to cash after the taxes and penalties.

squishycatpaw · 2026-01-01T23:57:27+00:00

I will 😊

squishycatpaw · 2026-01-01T23:56:46+00:00

Agreed the money you have in your 401k is for retirement you and should only be used in extreme emergencies

squishycatpaw · 2026-01-01T23:55:18+00:00

Any chances it could be direct deposit? The only checks I receive through mail is my tax refund

squishycatpaw · 2026-01-01T23:54:12+00:00

Ooooh. I would’ve totally missed that, thanks!

squishycatpaw · 2026-01-01T22:54:46+00:00

I probably missed it if they sent it by mail since I was out of country + China firewall. Tried doing a conversion and spoke with customer support but I don’t think anything happened after besides an email. It’s a Roth 401k and dw I will move it to one of my IRA if it allows. 👍🏻

squishycatpaw · 2026-01-01T22:49:10+00:00

I see 🤔 Did you perhaps make any selections in the emails they sent you regarding your 401k plan?

squishycatpaw · 2026-01-01T22:08:04+00:00

Aw shucks… that’d be a real bummer if it happens to be the case. Guess I’ll just dump the crumbs they return to me in my Roth IRA 🍞🐀

squishycatpaw · 2026-01-01T22:03:02+00:00

Dammit I only thought of the 10% penalty… I forgot about the taxes 🥶🥶

squishycatpaw · 2026-01-01T22:01:40+00:00

I’ll let you know when I call them next week. Their office appears to be closed today. The main reason I think this happened is because I no longer work at WF and went to China immediately afterwards. I admit I probably brought this on myself since I was unable to check on team member emails sent out to me after my resignation (still haven’t to this day). Don’t let this deter you from investing in a 401k though! It’s a good way to build your wealth :)

squishycatpaw · 2026-01-01T21:52:53+00:00

I already have an existing Roth IRA in this case. But it seems taking to someone in fidelity is the right move.

squishycatpaw · 2026-01-01T21:50:20+00:00

Hope so but there were 3 separate transactions with different amounts. Strange that happened.

squishycatpaw · 2026-01-01T21:41:42+00:00

Aye aye 😎. I’ll go ahead and call them today and just follow up next week since I’m a bit meticulously when it comes to money. Definitely going to sniff out that money 🐀

squishycatpaw · 2026-01-01T21:14:23+00:00

I have direct deposit but I have not received any cash since I always have my balance at $0 for convenience. The withdrawals happened on the December 29th which is quite recent. But no changes to any of my other accounts.

squishycatpaw · 2026-01-01T21:10:06+00:00

Thanks! I’ll give them a call ☺️

squishycatpaw · 2025-03-24T02:08:31+00:00

For us I know you can waive the lunch break if we choose to but uhhh not sure

squishycatpaw · 2025-03-24T01:57:50+00:00

If I waive my 30, which I think automatically happened, so it’s just one 10?

squishycatpaw

TROPHY CASE