what to do with a little retirement acct

IRA

My wife was recently in a similar situation (in Mississippi). I was leaning toward pulling it out, but she wanted to leave it in. By leaving it in, if she goes back to the state she already has those years banked as far as credited service, plus the time for being fully vested has increased from when she started from 4 years to 8 years now. If you take it out and go back to the state, you have the option of paying the money back and getting your service years back. At least that's how I think it works. Reading through all the crap gave me a headache and I had too much going on at the time to really figure it out, so I eventually said to heck with it.