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REDDIT

401k Options if My Spouse Changes Jobs?

C
Feb 5, 2026 · 14:56

My spouse is 58 and their 401k has a substantial balance.

I has a solo 401k for my retirement savings.

I have the option of creating a 401k account for them under my company's solo 401k plan.

If they were to change jobs, assuming they are likely to work for the new employer for \~7 years, is there a compelling reason to not create the account and roll their existing 401k into my company's plan, and then let the savings for the new employer accrue separately?

I've taken a Boglehead approach to both of our accounts, simply relying on index ETF's and SGOV.