Now that I'm a SAHM, what do I do with my 401k? I'm not going to be going back to work anytime in the near future, and the company my 401k is in wants to charge me $10 per quarter in maintenance fees.
I don't have that much in the account (about $2500), and it has also lost money big time due to the state of the stock market. Should I roll it over into an IRA? What have some of you done with these accounts after becoming a SAHM?

I rolled mine into my IRA. It's easier for me to have it all in one place (Schwab) vs. lots of places and I have more investment options than I did with my 401k.

roll it into an IRA

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Rolled mine into an IRA.

We actually used it as part of our downpayment on our house, which we'd planned all along. I was only contributing as a savings habit, and also, at one employer, to get the free matching.

I rolled mine into a Schwab account also.

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My old company is happy to keep administrating my 401k so I'm keeping it where it is.

If you roll it into an IRA, see if you can make it a Roth IRA. You might have to pay a little bit of tax, but if the account isn't large, it'll be worth it. If it turns out to be a standard IRA, then you probably don't want to make any more contributions to that account and instead start contributing to a Roth IRA in a separate account. However, that would dilute your compounding power so if you can have one account, that would be a better deal.

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IRA here too. We possibly will use it to add to a down payment on a house some day, we'll see, depends on what happens in the next few years.

We can't add to mine right now, but we make sure we add to dh's retirement first, on top of what his work puts in, so we are still making progress.

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I work for State Farm insurance & you could roll it into Mutual Funds. That's where I have my 401K & i make decent money on the investments each month.

i rolled mine over also. saving for retirement is so critical, so I am not touching it until I retire. beware that you pay a 10% penalty on early withdraw on top of the taxes. i'm too cheap to pay that 10%. i also contribute the max yearly and we have made it part of our budget. being a sahm is wonderful, but i think we still have to prepare for our retirement. my husband contributes to his, but iras are not joint accounts, so I felt that if I was leaving a very good paying job to sah, that we needed to make an effort to contribute to my ira also. fortunately my dh agreed.

try looking for a no-load ira such as vanguard, fidelity or T Rowe Price.

roll it over to an ira or a mutual fund. i have one i rolled to an ira and one i rolled to a mutual fund(two seperate jobs).

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