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I've got retirement funds scattered across a half-dozen different companies and honestly I have no idea how to find it. Probably doesn't amount to more than $150k anyway. Could be half that - I really have no way of knowing. I was planning on never retiring, but the job market says otherwise. I might already be retired. Six weeks into my job search with 25 years of experience and not even an interview much less an offer. It hasn't been this bad since 2010.
That money is yours no matter how far it is scattered. Try to get in contact with those companies and check in on the accounts. You are allowed to move those funds into a single rollover IRA account with no tax hit if they send the check to the Rollover IRA provider directly.
You might be surprised at what you have. You might remember putting in $150k but it's possible it has grown quite a bit since then.
It's also possible something dumb might have happened, like it ending up in a cash-equivalent sweep account or something, which only makes it more urgent that he get it all rolled over into an IRA that's set up and paid attention to properly.
Wow, you sound pretty nonchalant about losing $150K!
I mean it's somewhere. I don't know what companies hold it but I'm sure there are records somewhere. I probably have to dig through emails up to a decade back - assuming I used personal emails instead of work emails. It really doesn't matter for another nearly twenty years. I'm sure it'll turn up.
I sort of have to not think about it to avoid obsessing over it. I'm sure I'm not the first person to not know what institutions hold their 401Ks. There a system for figuring it out.
It's better to do it ASAP before they're decreed abandoned. Dig thorough everything and also check your State's Unclaimed Property dept (or the one for whatever state you were working in I suppose). And/or do some searching online to find out how to reclaim them.
Rolling funds over to consolidate is free and easy, but you have to find it first and do some paperwork. It would really help you to have it all together in one spot that you can pay attention to (yes, that was me a few years back).
Hopefully not your scenario but
It's not easy. I lost a day of my life with the paperwork and phone calls to do it once. It's fine, learned my lesson, next time I will go straight to the screaming on the phone.