Thanks for this response! I may be starting to actually underdtand, but maybe you can help some more. It would be forever appreciative. Ok, so from Nov2014 to Aug 2017 I worked for a company, we'll call it RCI, but only participated in their 401k during the last 10 months or so I was there (around Nov2016 to when I left in Aug2017.) I then started employment with another school, a State University, in Aug2017 and almost immediately began contributing to their "Teacher's Retirement System," and I still am every pay period (pre-tax.) In Oct2017 (I believe) I completely closed the RCI 401k, opting for the full disbursement and fees, just to make rent that month. I reported this on my 2017 tax return. Does this new info change anything?
