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401(k)s tend to have broader federal protection from creditors. IRAs have federal protection from bankruptcy protection, but that protection has limitations. General creditor protection is decided at the state level. As a result, 401(k) assets tend to have broader protection from potential...

The important point is, if you move the money out of your 401K, make sure it’s titled ROLLOVER IRA. As opposed to IRA.

She absolutely right. International stocks have underperformed the U.S. market for the past 10 years. However, the 10 years prior to that, International out preformed US stocks. I rebalanced last month, more into international. That’s the whole proven theory around diversity and rebalancing.

From what I have read, only about 15% of the population ends up in long term care for 2+ years.

I think you are spot on with your assessment.