re: VFFSX info for 401k rollover

I don't know what you mean about rolling it over into a 401k so you can max it out. How much you contribute to a 401k has nothing to do with rolling money into it. They are two different things.

The only reason you would roll it into your company's 401k is to take advantage of having more money in it if you use the "Rule of 55" to get money out without penalty if you decide to terminate employment and retire. Otherwise, you're better off rolling it into your own brokerage account so you can invest in whatever you want to.

You can split your combined contributions between a Roth and your 401k, but they can't exceed the maximum amount ($22.5K or $30K if 50 or older).

I would roll it over to a traditional IRA. I don't think you can roll it over to a roth unless it was a roth 401k. You may can, but would have to pay taxes on it someway. But if you think you'll be in a higher taxes bracket when you retire it might be worth looking into.

Either way, in a roth or traditional you will be able to invest it in whatever you want. Where if you put in your new employer 401k you'll have to choose from what they offer.

Also it doesn't count against your IRA max for the year. Or your new 401k for the year. You'll still be able to put 6500 in that same IRA you roll it into for this year and max your new work 401k, if you want.