Math is not my shining moment...
And neither, it seems, is looking at what I had previously written to find out that I last posted 3 years ago, not 4.

My retirement accounts are driving me crazy. We now have a financial planner and are busy trying to consolidate all the teeny 401Ks that I've accumulated in my 20+years of work. That all is going well, however trying to roll over the money from the divorce is sending me right 'round the bend... John had a TIAA-CREFF account which I received a portion of. The CREFF portion moved over no problem. TIAA will only be released to my new 401K at a rate of 10% for the next 10 years. I was quite precise with the nice gentleman on the other end of the phone as to how I felt about it (do you know that they are even more taken aback when you do this without any profanity?) I mean, *I* didn't choose this company and I'm not asking them to give me cash, I ought to be able to roll it over in its entirety to a different fund....I'm going to go seethe for a while now...