The biggest mistake Americans make in this topsy-turvy world is cashing in their IRA or retirement savings bonds when they move from one employer to another. This sounds like it’s hard to believe (I know) but many people cash in their retirement funds when they are laid off by their employers. They’ll actually cash it in and take the massive tax penalty on the chin…….then they blow it. Whatever you do, just roll your retirement instruments into the next company plan, or invest it in another safe retirement plan. Just pretend that money is not there. Don’t even think about having access to it before you roll it in the next saving and investment plan.
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