{"id":10345,"date":"2025-05-03T07:33:48","date_gmt":"2025-05-03T11:33:48","guid":{"rendered":"https:\/\/kerryhannon.com\/?p=10345"},"modified":"2025-05-03T07:33:48","modified_gmt":"2025-05-03T11:33:48","slug":"changing-jobs-can-shake-up-saving-for-retirement-heres-how-to-avoid-that","status":"publish","type":"post","link":"https:\/\/kerryhannon.com\/?p=10345","title":{"rendered":"Changing jobs can shake-up saving for retirement. Here&#8217;s how to avoid that."},"content":{"rendered":"<div class=\"byline yf-1k5w6kz\">\n<div class=\"byline-attr yf-1k5w6kz\">\n<div class=\"byline-attr-logo yf-1k5w6kz\">Leaving a job \u2014 whether you\u2019re exiting for a new opportunity or have been laid off \u2014 can deliver a blow to your future retirement stash.<\/div>\n<\/div>\n<\/div>\n<div class=\"body-wrap yf-40hgrf\">\n<div class=\"body yf-1ir6o1g\">\n<div class=\"atoms-wrapper\">\n<p class=\"yf-1090901\">I know this personally, having switched jobs several times during my career. For the most part, I\u2019ve rolled over account balances from my former employer\u2019s 401(k) plan to an Individual Retirement Account that I then managed myself. In one early jump, however, I did the unthinkable and cashed out my 401(k), paid the tax and penalty, and didn\u2019t blink. Retirement seemed so far down the road.<\/p>\n<div class=\"wrapper yf-eondll\" data-testid=\"inarticle-ad\">\n<div id=\"sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-1\" class=\"sdaContainer dv-all sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-1 yf-ee3idm overflow margin visible placeholder\" data-testid=\"ad-container\" data-ad-unit=\"\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center\" data-ad-size=\"970x250,728x90,300x250,fluid\" data-ad-region=\"main-dynamic\" data-ad-loc=\"mid_center\" data-google-query-id=\"CPTk59mYh40DFf2_0QQd2jw3EA\">\n<div id=\"google_ads_iframe_\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center_15__container__\">But one day recently, I paused to consider what that modest sum might be worth today after decades of compounding. Sigh.<\/div>\n<div><em><strong><a href=\"https:\/\/finance.yahoo.com\/news\/changing-jobs-can-disrupt-saving-for-retirement-heres-how-to-stay-on-track-150021632.html\">Read on Yahoo Finance<\/a><\/strong><\/em><\/div>\n<\/div>\n<\/div>\n<p class=\"yf-1090901\">The excitement of a new job, or the emotional minefield of being laid off, can make it easy to let retirement accounts at a former employer slip out of sight and out of mind \u2014 or even spur a short-sighted decision like I made so long ago.<\/p>\n<p class=\"yf-1090901\">\u201cIf someone changes or loses their job, they need to be aware of what options are available and how they can continue saving,\u201d Ben Rizzuto, a certified financial planner and wealth strategist at Janus Henderson, told Yahoo Finance.<\/p>\n<div class=\"wrapper yf-eondll\" data-testid=\"inarticle-ad\">\n<div id=\"sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-2\" class=\"sdaContainer dv-all sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-2 yf-ee3idm overflow margin visible placeholder\" data-testid=\"ad-container\" data-ad-unit=\"\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center\" data-ad-size=\"970x250,728x90,300x250\" data-ad-region=\"main-dynamic\" data-ad-loc=\"mid_center_2\" data-google-query-id=\"CPbk59mYh40DFf2_0QQd2jw3EA\">\n<div id=\"google_ads_iframe_\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center_17__container__\">His No. 1 piece of advice: Whatever you do, try not to stop saving for retirement.<\/div>\n<\/div>\n<\/div>\n<p class=\"yf-1090901\">\u201cWhile making sure you can meet your necessary expenses should take priority, if you can save a little bit, even a few hundred or thousand dollars today can turn into significant amounts after years or decades enjoying compound interest.\u201d<\/p>\n<p class=\"yf-1090901\">Here are four other things to keep in mind.<\/p>\n<p class=\"yf-1090901\"><em>Read more:\u00a0<\/em><a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/investing\/article\/retirement-planning-guide-150551603.html\" data-i13n=\"cpos:1;pos:1\" data-ylk=\"slk:Retirement planning: A step-by-step guide;cpos:1;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"11\" data-v9y=\"1\"><em>Retirement planning: A step-by-step guide<\/em><\/a><\/p>\n<h2 id=\"pay-attention-to-vesting-schedules\" class=\"header-scroll yf-gn6wdt\"><strong>Pay attention to vesting schedules<\/strong><\/h2>\n<p class=\"yf-1090901\">When you jump jobs, you can leave retirement money on the table due to vesting periods for employer-matched contributions, which are typically three to five years.<\/p>\n<p class=\"yf-1090901\">Some companies offer immediate vesting for their employer contributions, but that\u2019s not required by law.<\/p>\n<p class=\"yf-1090901\">If you leave a job before you\u2019re vested and miss out on some or all of your employer contributions, that&#8217;s a significant whack to your 401(k) balance. No way around that math.<\/p>\n<div class=\"wrapper yf-eondll\" data-testid=\"inarticle-ad\">\n<div id=\"sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-3\" class=\"sdaContainer dv-all sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-3 yf-ee3idm overflow margin visible placeholder\" data-testid=\"ad-container\" data-ad-unit=\"\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center\" data-ad-size=\"970x250,728x90,300x250\" data-ad-region=\"main-dynamic\" data-ad-loc=\"mid_center_3\" data-google-query-id=\"CMPJ69mYh40DFf2_0QQd2jw3EA\">\n<div id=\"google_ads_iframe_\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center_16__container__\">Over the past 40 years, the median tenure of all wage and salary workers 25 and older has stayed at roughly five years, according to a new <a class=\"link \" href=\"https:\/\/www.ebri.org\/content\/while-median-tenure-during-past-40-years-for-workers-remains-around-five-years--a-significant-decrease-is-seen-for-men-and-an-increase-among-women#:~:text=Summary,stayed%20at%20approximately%20five%20years.\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:3;pos:1\" data-ylk=\"slk:analysis by the nonpartisan Employee Benefit Research Institute (EBRI);cpos:3;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"12\" data-v9y=\"1\">analysis by the nonpartisan Employee Benefit Research Institute (EBRI)<\/a>. So having eight to 10 jobs over your career is likely, Craig Copeland, director of wealth benefits research at EBRI, told Yahoo Finance.<\/div>\n<\/div>\n<\/div>\n<p class=\"yf-1090901\">\u201cPeople are taking many job changes over the course of their working years,\u201d Copeland said. \u201cIf they have a retirement plan, that means that they are right at the time where they could be potentially facing a vesting issue. And they could lose some of their employer contributions if it is a direct contribution plan such as a 401(k), and that\u2019s bad news.\u201d<\/p>\n<\/div>\n<div class=\"read-more-wrapper\" data-testid=\"read-more\">\n<p class=\"yf-1090901\">His recommendation: If you&#8217;re changing jobs voluntarily, and you&#8217;re close to the end of the vesting period, you may consider whether you could delay your start date in the next job by a couple months.<\/p>\n<p class=\"yf-1090901\">\u201cAnything you could do to preserve the money is a plus,\u201d he said.<\/p>\n<p class=\"yf-1090901\"><em>Read more:\u00a0<\/em><a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/personal-finance\/investing\/article\/how-much-should-i-contribute-to-my-401k-183959202.html\" data-i13n=\"cpos:4;pos:1\" data-ylk=\"slk:How much should I contribute to my 401(k)?;cpos:4;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"14\" data-v9y=\"1\"><em>How much should I contribute to my 401(k)?<\/em><\/a><\/p>\n<p><a href=\"https:\/\/kerryhannon.com\/?attachment_id=10347\" rel=\"attachment wp-att-10347\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"10347\" data-permalink=\"https:\/\/kerryhannon.com\/?attachment_id=10347\" data-orig-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-03-at-7.31.53%E2%80%AFAM.png?fit=1376%2C1266&amp;ssl=1\" data-orig-size=\"1376,1266\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Screenshot 2025-05-03 at 7.31.53\u202fAM\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-03-at-7.31.53%E2%80%AFAM.png?fit=640%2C589&amp;ssl=1\" class=\"alignright size-full wp-image-10347\" src=\"https:\/\/i0.wp.com\/kerryhannon.com\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-03-at-7.31.53%E2%80%AFAM.png?resize=640%2C589&#038;ssl=1\" alt=\"\" width=\"640\" height=\"589\" \/><\/a><\/p>\n<h2 id=\"dont-forget-about-it\" class=\"header-scroll yf-gn6wdt\"><strong>Don\u2019t forget about it<\/strong><\/h2>\n<p class=\"yf-1090901\">It\u2019s shocking to me how many people leave a job and forget about their retirement account.<\/p>\n<p class=\"yf-1090901\">\u201cThe biggest thing is just not losing track of your 401(k),\u201d Wade Pfau, a professor at the American College of Financial Services and author of &#8220;Retirement Planning Guidebook,&#8221; told Yahoo Finance.<\/p>\n<p class=\"yf-1090901\">You can leave the money in your old employer\u2019s plan, roll it over into your new employer\u2019s 401(k) plan, or roll it over to an IRA. The downside to leaving the money at your old job, of course, is that you can&#8217;t add any more money to it. And you\u2019re limited to that roster of investments.<\/p>\n<p class=\"yf-1090901\">But it can have an advantage most people don\u2019t consider, John Scott, director of Pew Charitable Trusts&#8217; retirement savings project, told me.<\/p>\n<p class=\"yf-1090901\">\u201cEmployer sponsor plans typically get\u00a0<a class=\"link \" href=\"https:\/\/www.pewtrusts.org\/en\/research-and-analysis\/issue-briefs\/2022\/06\/small-differences-in-mutual-fund-fees-can-cut-billions-from-americans-retirement-savings\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:5;pos:1\" data-ylk=\"slk:institutional pricing;cpos:5;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"15\" data-v9y=\"1\">institutional pricing\u00a0<\/a>for the investments,\u201d Scott said. \u201cSo they&#8217;re cheaper than the fees you might pay on the exact same mutual funds in your IRA, which are priced at retail.\u201d<\/p>\n<p class=\"yf-1090901\">Another way to view it: Even though you may not be actively contributing to the account, it may grow more than an IRA with the same investments and higher fees.<\/p>\n<div class=\"wrapper yf-eondll\" data-testid=\"inarticle-ad\">\n<div id=\"sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-5\" class=\"sdaContainer dv-all sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-5 yf-ee3idm overflow margin visible placeholder\" data-testid=\"ad-container\" data-ad-unit=\"\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center\" data-ad-size=\"970x250,728x90,300x250\" data-ad-region=\"main-dynamic\" data-ad-loc=\"mid_center_5\" data-google-query-id=\"CO6l0d2Yh40DFc8cigMdVSclhw\">\n<div id=\"google_ads_iframe_\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center_21__container__\">One of the main things a rollover provides is greater control over and flexibility. \u201cAn IRA allows you to access a wider variety of investment options and then control the sale, rebalancing, and allocation of those investments across accounts and time,\u201d Rizzuto said.<\/div>\n<\/div>\n<\/div>\n<p class=\"yf-1090901\">When you roll your 401(k) account into an IRA, the company that administers the plan typically liquidates your holdings and then moves the cash into your IRA. But it doesn\u2019t automatically invest it for you. That\u2019s up to you.<\/p>\n<h2 id=\"pay-attention-to-your-new-employers-plan-features\" class=\"header-scroll yf-gn6wdt\"><strong>Pay attention to your new employer\u2019s plan features<\/strong><\/h2>\n<p class=\"yf-1090901\">If you\u2019re moving to a new employer with a sweet\u00a0<a class=\"link yahoo-link\" href=\"https:\/\/finance.yahoo.com\/news\/with-labor-market-on-ice-job-hopping-has-lost-its-luster-130041911.html\" data-i13n=\"cpos:6;pos:1\" data-ylk=\"slk:pay bump;cpos:6;pos:1;elm:context_link;itc:0;sec:content-canvas;outcm:mb_qualified_link;_E:mb_qualified_link;ct:story;\" data-rapid_p=\"16\" data-v9y=\"1\">pay bump<\/a>, congratulations.<\/p>\n<p class=\"yf-1090901\">Chances are, your new employer has made a few important decisions for you.<\/p>\n<p class=\"yf-1090901\">Starting this year, 401(k) and 403(b) plans established after Dec. 29, 2022, must automatically enroll all eligible employees at a default deferral rate of between 3% and 10% of their salary, and the rate must increase every year by 1% until the participant hits at least 10% and no more than 15%. Automatic enrollment does not mean you have to go along with it. Workers can change the rate or opt-out.<\/p>\n<div class=\"wrapper yf-eondll\" data-testid=\"inarticle-ad\">\n<div id=\"sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-6\" class=\"sdaContainer dv-all sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-6 yf-ee3idm overflow margin visible placeholder\" data-testid=\"ad-container\" data-ad-unit=\"\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center\" data-ad-size=\"970x250,728x90,300x250\" data-ad-region=\"main-dynamic\" data-ad-loc=\"mid_center_6\" data-google-query-id=\"CNmhvt6Yh40DFWQbigMdRr43WA\">\n<div id=\"google_ads_iframe_\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center_22__container__\">The concern here is that the new plan may be starting you off at a lower rate of savings than you were making at your old job.<\/div>\n<\/div>\n<\/div>\n<p class=\"yf-1090901\">If you were setting aside 10% at your previous job, starting a new position where you\u2019re auto-enrolled at 3% can have long-term repercussions. Given all the paperwork and onboarding sessions to ramp up your new job, it\u2019s understandable to overlook this detail.<\/p>\n<p class=\"yf-1090901\">The typical job switcher experienced a 10% pay increase,\u00a0<a class=\"link \" href=\"https:\/\/digital-assets.vanguard.com\/corp\/research\/pdf\/job_transitions_slow_retirement_savings.pdf\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:7;pos:1\" data-ylk=\"slk:according to Vanguard\u2019s research;cpos:7;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"17\" data-v9y=\"1\">according to Vanguard\u2019s research<\/a>, and a 0.7 percentage point drop in their saving rate. Most job switchers experienced a boost to their income, but just 44% increased or maintained their saving rate from their prior job. The majority of people decreased their saving rate.<\/p>\n<p class=\"yf-1090901\">How does that shake out?<\/p>\n<p class=\"yf-1090901\">For a worker earning $60,000 at the start of their career who switches jobs eight times across employers (for a total of nine jobs), the estimated loss in potential retirement savings could be about $300,000, according to the researchers.<\/p>\n<h2 class=\"yf-1090901\"><strong>Avoid early withdrawals if possible<\/strong><\/h2>\n<p class=\"yf-1090901\">If you\u2019ve been laid off recently \u2014 and there are plenty of workers out there who have \u2014 there\u2019s another set of choices to make.<\/p>\n<p class=\"yf-1090901\">It\u2019s hard to keep saving for retirement when you don\u2019t have income during the gap between losing a job and landing a new one. It\u2019s tempting, and sometimes necessary, to pull money from retirement accounts to meet the moment.<\/p>\n<div class=\"wrapper yf-eondll\" data-testid=\"inarticle-ad\">\n<div id=\"sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-7\" class=\"sdaContainer dv-all sda-INARTICLE-9a5377d6-87f0-4256-86c2-774accad7373-7 yf-ee3idm overflow margin visible placeholder\" data-testid=\"ad-container\" data-ad-unit=\"\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center\" data-ad-size=\"970x250,728x90,300x250\" data-ad-region=\"main-dynamic\" data-ad-loc=\"mid_center_7\" data-google-query-id=\"CNLBg-CYh40DFYa40QQdnUELrQ\">\n<div id=\"google_ads_iframe_\/22888152279\/us\/yfin\/ros\/dt\/us_yfin_ros_dt_mid_center_23__container__\">A record high 4.8% of account holders took early withdrawals last year, up from 3.6% in 2023, for reasons such as preventing foreclosure and paying medical bills, according to Vanguard Group, which administers 401(k)-type accounts for nearly 5 million people.<\/div>\n<\/div>\n<\/div>\n<p class=\"yf-1090901\">\u201cA concerning number of people are dipping into their retirement accounts before they retire by taking loans and hardship withdrawals or early withdrawals,\u201d Catherine Collinson, CEO and president of Transamerica Institute, told Yahoo Finance. About 2 in 10 of those are unemployed workers, according to\u00a0<a class=\"link \" href=\"https:\/\/www.transamericainstitute.org\/docs\/research\/workforce\/retirement-in-the-usa-workforce-outlook-survey-report-2025.pdf\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:8;pos:1\" data-ylk=\"slk:a recent report by Transamerica Center for Retirement Studies;cpos:8;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"22\" data-v9y=\"1\">a recent report by Transamerica Center for Retirement Studies<\/a>.<\/p>\n<p class=\"yf-1090901\"><a class=\"link \" href=\"mailto:%20kerry.hannon@yahooinc.com\" data-i13n=\"cpos:9;pos:1\" data-ylk=\"slk:Have a question about retirement? Personal finances? Anything career-related? Click here to drop Kerry Hannon a note.;cpos:9;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"23\" data-v9y=\"1\"><strong><em>Have a question about retirement? Personal finances? Anything career-related? Click here to drop Kerry Hannon a note.<\/em><\/strong><\/a><\/p>\n<p class=\"yf-1090901\">There\u2019s no shame if you need to tap your retirement to stay afloat between jobs. Just be sure to start saving again when you can.<\/p>\n<p class=\"yf-1090901\">\u201cWith a new job, you really want to get motivated to get back on track with your savings,\u201d Pfau said, \u201cand hopefully be able to pay back the borrowing and then start saving on top of that again.\u201d<\/p>\n<div class=\"byline-attr-logo yf-1k5w6kz\"><a class=\"primary-link fin-size-small yf-bwm9iy\" href=\"https:\/\/finance.yahoo.com\/author\/kerry-hannon\/\" target=\"_self\" data-ylk=\"elm:author;elmt:link;itc:0;slk:Kerry%20Hannon;sec:content-canvas\" data-rapid_p=\"5\" data-v9y=\"1\"><img decoding=\"async\" class=\"byline-attr-logo-img yf-1k5w6kz\" src=\"https:\/\/s.yimg.com\/ny\/api\/res\/1.2\/57Y84tZEtUNPUcAs6UP1ng--\/YXBwaWQ9aGlnaGxhbmRlcjt3PTgwO2g9ODA7Y2Y9d2VicA--\/https:\/\/o.aolcdn.com\/images\/dims?image_uri=https%3A%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2023-07%2F41712030-1c23-11ee-bcf7-7d286db2677e&amp;compress=1&amp;progressive=1&amp;quality=75&amp;client=hawkeye&amp;signature=1de715733bdefcb02d735079f8145447d5b31ff0\" alt=\"Kerry Hannon\" \/><\/a><\/div>\n<div>\n<div class=\"byline-attr-author yf-1k5w6kz\"><a class=\"primary-link fin-size-large noUnderline yf-bwm9iy\" href=\"https:\/\/finance.yahoo.com\/author\/kerry-hannon\/\" target=\"_self\" data-ylk=\"elm:author;elmt:link;itc:0;slk:Kerry%20Hannon;sec:content-canvas\" data-rapid_p=\"6\" data-v9y=\"1\">Kerry Hannon<\/a>\u00a0<span class=\"byline-attr-meta-separator yf-1k5w6kz\" data-svelte-h=\"svelte-1yy7aps\">\u00b7<\/span>\u00a0Senior Columnist<\/div>\n<\/div>\n<p class=\"yf-1090901\"><em>Kerry Hannon is a Senior Columnist at Yahoo Finance. She is a career and retirement strategist and the author of 14 books, including &#8220;<\/em><a class=\"link \" href=\"https:\/\/kerryhannon.com\/?page_id=9253\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:10;pos:1\" data-ylk=\"slk:In Control at 50+: How to Succeed in the New World of Work&quot;;cpos:10;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"24\" data-v9y=\"1\"><em>In Control at 50+: How to Succeed in the New World of Work&#8221;<\/em><\/a><em>\u00a0and &#8220;Never Too Old to Get Rich.&#8221; Follow her on\u00a0<\/em><a class=\"link \" href=\"https:\/\/bsky.app\/profile\/kerryhannon.bsky.social\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:11;pos:1\" data-ylk=\"slk:Bluesky.;cpos:11;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"25\" data-v9y=\"1\"><em>Bluesky.\u00a0<\/em><\/a><\/p>\n<p class=\"yf-1090901\"><a class=\"link \" href=\"https:\/\/preferences.newsletters.yahoo.net\/subscribe\/mindyourmoney\" target=\"_blank\" rel=\"nofollow noopener\" data-i13n=\"cpos:12;pos:1\" data-ylk=\"slk:Sign up for the Mind Your Money newsletter;cpos:12;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"26\" data-v9y=\"1\"><strong>Sign up for the Mind Your Money newsletter<\/strong><\/a><\/p>\n<p class=\"yf-1090901\"><a class=\"link \" href=\"https:\/\/finance.yahoo.com\/topic\/personal-finance\" data-i13n=\"cpos:13;pos:1\" data-ylk=\"slk:Click here for the latest personal finance news to help you with investing, paying off debt, buying a home, retirement, and more;cpos:13;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"27\" data-v9y=\"1\"><strong>Click here for the latest personal finance news to help you with investing, paying off debt, buying a home, retirement, and more<\/strong><\/a><\/p>\n<p class=\"yf-1090901\"><a class=\"link \" href=\"https:\/\/finance.yahoo.com\/news\/\" data-i13n=\"cpos:14;pos:1\" data-ylk=\"slk:Read the latest financial and business news from Yahoo;cpos:14;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"28\" data-v9y=\"1\"><strong>Read the latest financial and business news from Yahoo\u00a0<\/strong><\/a><a class=\"link \" href=\"https:\/\/finance.yahoo.com\/news\/\" data-i13n=\"cpos:15;pos:1\" data-ylk=\"slk:Finance;cpos:15;pos:1;elm:context_link;itc:0;sec:content-canvas\" data-rapid_p=\"29\" data-v9y=\"1\"><strong>Finance<\/strong><\/a><\/p>\n<\/div>\n<div id=\"view-cmts-9a5377d6-87f0-4256-86c2-774accad7373\" class=\"view-cmts yf-13m496w\" data-testid=\"view-comments\">\n<div class=\"icon fin-icon inherit-icn sz-x-large yf-9qlxtu\" aria-hidden=\"true\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/static.hupso.com\/share\/buttons\/share-small.png?w=640&#038;ssl=1\" style=\"border:0px; padding-top:5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Linkedin\",\"StumbleUpon\",\"Digg\",\"Reddit\",\"Bebo\",\"Delicious\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"small\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"Changing jobs can shake-up saving for retirement. Here&#039;s how to avoid that.\";<\/script><script type=\"text\/javascript\" src=\"https:\/\/static.hupso.com\/share\/js\/share_toolbar.js\"><\/script><!-- Hupso Share Buttons --><\/div>","protected":false},"excerpt":{"rendered":"<p>Most people change jobs a few times in their career. It&#8217;s easy to forget to stay on top of retirement accounts.<\/p>\n<div style=\"padding-bottom:20px; padding-top:10px;\" class=\"hupso-share-buttons\"><!-- Hupso Share Buttons - http:\/\/www.hupso.com\/share\/ --><a class=\"hupso_toolbar\" href=\"http:\/\/www.hupso.com\/share\/\"><img src=\"https:\/\/static.hupso.com\/share\/buttons\/share-small.png\" style=\"border:0px; padding-top:5px; float:left;\" alt=\"Share Button\"\/><\/a><script type=\"text\/javascript\">var hupso_services_t=new Array(\"Twitter\",\"Facebook\",\"Google Plus\",\"Pinterest\",\"Linkedin\",\"StumbleUpon\",\"Digg\",\"Reddit\",\"Bebo\",\"Delicious\");var hupso_background_t=\"#EAF4FF\";var hupso_border_t=\"#66CCFF\";var hupso_toolbar_size_t=\"small\";var hupso_image_folder_url = \"\";var hupso_url_t=\"\";var hupso_title_t=\"Changing jobs can shake-up saving for retirement. 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