Five year plan. Paid 40 payments so far. Had been planning to retire end of 2014, which would be 1 year shy of BK completion. If 401K is converted to annuity or such to supplement SS and pension (in order to continue to pay out BK at rate agreed on) does it make the 401K money an asset instead of being...

Hi. I recently lost my job and am not eligible for unemployment -- therefore I will have no income. I do have a small bit of money in the company's pension and 401(K) plans with Merrill Lynch.

I supposed I'll have to rollover these funds into an IRA. I know NOTHING about this. This is...