How to Find a 401(k) From an Old Job— and Boost It!

Money Rehab with Nicole Lapin

Money News Network

Education, Self-improvement, Business

4.4 • 1.4K Ratings

🗓️ 19 November 2025

⏱️ 13 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

If you leave a job, you're probably focused on your next move, not tracking down that old 401(k). But those old 401(k)s are your money. And if you don’t find them, manage them, or move them where they can grow smarter and harder for you, you’re leaving cash on the table. Today, Nicole walks you through exactly how to track down a lost 401(k) and roll it over into a new retirement account — with all the details, step-by-step, so you don’t make expensive mistakes. Rollover your old 401(k) and earn a 1% boost at public.com/moneyrehab If your old employer went out of business, check the National Registry of Unclaimed Retirement Benefits and the Department of Labor's Abandoned Plan Search Past Money Rehab episode on the difference between a Roth IRA and a Traditional IRA This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account’s annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms here.

Transcript

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0:00.0	Here's one piece of advice that I've given for years. Build an emergency fund.
0:05.0	Aim to stash away enough to cover at least three months of expenses in case your income suddenly drops.
0:10.4	Sounds simple, right? But let's be honest, it's not.
0:13.6	Saving even one month's worth of living costs can feel impossible.
0:17.8	Just when you're making progress, that check engine light blinks on and derails
0:22.1	your plans. Life already throws enough curveballs. You don't need your bank adding to the chaos.
0:27.6	That's why it's so important to choose one that makes savings easy and doesn't nibble away at
0:32.4	your hard-earned money with ridiculous fees. Chime understands that every dollar counts. That's why when you set up direct deposit through Chime, you get access to fee-free
0:41.3	features like free overdraft coverage, getting paid up to two days early with direct deposit, and more.
0:47.3	With qualifying direct deposits, you're eligible for free overdraft up to $200 on debit card purchases and cash withdrawals. To date, Chime has spotted members over $30 billion. Work on your financial goals through Chime today. Open an account in just two minutes at chime.com slash MNN. That's chime.com slash MNN. Chime feels like progress. Chime is a financial technology company, not a bank, Bank, Bank, card provided by the Bank or Stryd Bank N.A.
1:12.1	Members FDIC.
1:12.8	Spot Me eligibility requirements and overdraft limits apply.
1:14.5	Timing depends on submission of payment file.
1:15.7	Fees apply at out-of-network ATMs.
1:16.8	Bank ranking and number of ATMs, according to U.S. News and World Report 2023. Chime checking account required. I live in L.A. now, but lately I have been craving the seasons. Snow, hot cocoa, the whole thing. I don't even ski, but I have been daydreaming about
1:28.3	working remotely from somewhere really cozy on the East Coast, like a cute little ski town for a
1:32.4	little bit. And whenever I know I'm going to be gone for a while, I always remind myself that
1:36.3	my home can actually be working for me while I'm away, because I host my space on Airbnb.
1:41.7	It is one of the easiest ways to earn passive income from
1:44.3	something you already have and that extra income feels particularly helpful this time of year
1:48.9	as we approach the holidays. A lot of my friends say that sounds amazing, but where do you find
1:53.5	the time to manage guests and bookings? And that's when I tell them about Airbnb's co-host network.
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