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).