Don't worry,, I won't hold you responsible for any info or advice you give.. I had money left in my 401k after I left my last job, even after I took out $500 to help with our closing costs for the house. I just got a check in the mail for over $900, which is my 401k balance less federal taxes. the thing is, I am wary about cashing it. As much as this money would be a Godsend now that my hubby is back to only 40 hours/week, i am hoping i don't have to pay this back, or owe this. I am sure I will have to claim this on taxes next year, but taxes have already been taken out of the balance, thus the check is less than what the balance actually was. Should I cash the check? Is there anything I have to worry about or watch for, or be aware of?