I am a recently divorced, single mom who is currently not employed. Right now, most of my assets (apart from my home) are in two 401(k)s — one from my previous employer and one I received as part of the divorce settlement QDRO. From what I have read, it sounds like I should roll these over and consolidate them into an IRA? I am having trouble figuring out how and where to do this. What am I losing by leaving the money in these two 401(k)s? Ginger, Park Ridge, IL