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‘This is a first-world problem’: I can’t roll over my $800,000 401(k) from my prior employer. What did I do wrong?

• What: A reader's $800,000 401(k) cannot be rolled over due to a missing distribution form.
• Why: The reader failed to obtain a distribution form from their prior employer's HR department.
• Signal: The reader should have received a distribution form with their separation package.
• Target: The reader should contact their prior employer's HR department to obtain the missing form.
• Risk: The reader may face penalties and taxes if they do not roll over the funds within 60 days.