Been at my job for 17 years, and im 35 y/o now,  I have approx 45k in my deferred comp account (didnt start putting $ into it for the first 5-6 years, now im about 8% im putting in).  Thanks the the financial crash in '08, my work went from matching my  contribution, to(starting in 2012) matching only 1% of how much i put in at the end of the fiscal year.  Retirement at my work is about 25-26 years, so i have just shy of 10 years left.   Should I pull the $ out and put it in a IRA account?  if so any recommendations?  Ill be about 44-45 when i retire from my now job, and i know ill be getting another job and working for another 15-20 years so this isnt the end all for my retirement/IRA funding.


*side note, I am doing the Dave Ramsey thing, finishing step 2 and with the sell of my motorcycle, ill be done with step 2 (pay off all debt minus house) and almost done with step 3 (3-6 months saved up for expenses).  Step 4 (15% retirement) is where im mentally at right now, but my conflict with myself is stopping putting $ into my retirement until im done with step 3.  I know, worse case, it will take me 10 months to be done with step 2 and step 3, so "losing" the 8% im putting in isnt THAT drastic, and putting the 15% later will be better, but it freaks me out alittle.

I have a 457b as well.  I have no plans to roll it over.  I can't touch an IRA until 59 1/2.  The 457 is available to me at retirement regardless of my age.  If I retire at 47, there is 12 years that that money can be drawn on as needed with only having to pay taxes at my tax rate.

I actually plan to use it to cover annual insurance and taxes.  I will be able to live on my retirement with no problem.  Add that to other savings and I should be good.

457 is available at separation from the job, so it is a much better alternative to other tax advantaged acciunts that i know of. Its going to be perfit if you plan to retire early.