Hey all. I just recently came into 60k which is life saving money but my company gave it to me in a retirement account. It’s a traditional IRA with only .40% interest rate. Should I roll over to Roth IRA or withdrawal and put into savings? I didn’t know I had this money before so I either way I come up in the positive. Money is extremely tight right now. I understand that leaving it and not touching it is the smart move because of taxes. I’m so lost on what to do. And yes, this is a cry for help. I can’t afford a financial advisor and I’m still looking for work.