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This Is Uncomfortable

Wait...where did my retirement money go?

This Is Uncomfortable

Marketplace

Business, News

4.63.6K Ratings

🗓️ 2 April 2026

⏱️ 37 minutes

🧾️ Download transcript

Summary

What happens to your retirement savings when you leave a job? And if you’ve forgotten about an old 401(k) account, how do you track that money down? That’s the mystery Reema is trying to solve this week, as she confronts her own financial anxiety and goes searching for retirement accounts left behind at previous jobs.


Along the way, she talks with retirement expert Geoffrey Sanzenbacher about just how common this is -- only about 15% of people roll their retirement savings over to a new employer's plan! And she asks behavioral economist Katy Milkman why this kind of chore feels so hard. Plus, brain hacks that will help you get through that daunting financial to-do list.


If you liked this episode, share it with a friend. And let us know what you think by emailing uncomfortable@marketplace.org or calling 347-RING-TIU.


And follow us on Instagram and Tiktok!

Transcript

Click on a timestamp to play from that location

0:00.0

Programming is supported by Stoll Reeves, a leading U.S. corporate and litigation law firm providing sophisticated business clients' high-quality legal services with offices in seven states and Washington, D.C.

0:12.6

Stole Reeves is a nationally recognized leader in project finance and natural resources industries.

0:18.9

From deals and disputes to compliance and counseling, clients turn to Stole Reeves for their most complex business challenges.

0:26.0

Learn more at S-T-O-E-L.com.

0:30.7

Okay, so I'm embarrassed to admit this, but I think I might have money somewhere, maybe hundreds or thousands of dollars, that I have no idea how to access.

0:42.2

When I was in my 20s, I didn't really think about retirement. That was a problem for Future Me.

0:47.1

But now I am Future Me. I'm 35 years old, and I'm trying to figure out what happened to those retirement accounts for my early 20s.

0:54.6

My employers automatically enrolled me in them, or at least I think they did.

0:58.7

I don't know.

0:59.5

If I'm going to be honest, I can't even remember the name of the companies that managed my retirement accounts.

1:05.0

One night, not long ago, while lying in bed, I spent like an hour digging into this,

1:09.3

but because everything was saved under my old

1:11.3

work emails, I couldn't figure it out. And as I was going to sleep, I thought, surely, I can't be

1:18.0

the only one in this situation, right? So why don't I make an episode out of this? Maybe if I document

1:22.9

my process, it'll encourage other people to do the same. But apparently, even turning it into a work assignment didn't really help.

1:29.9

After I pitched this to my team, days passed, inertia kicked back in.

1:34.9

And soon enough, I found myself on a call with our producer Alice, who was gently laying

1:39.3

down the law.

1:41.5

You slapped me, are there any resources you're coming across about who I should call?

1:47.8

And what I was going to tell you is I think that that me telling you who you should call kind of defeats the purpose of me figuring this out on my own.

1:58.2

Why do you keep putting this off?

2:00.1

I just haven't been feeling great.

...

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