Excerpt: [S]omething as mundane as rolling over a 401(k) presents wildly different options from one individual to the next, as proven by the reader questions that came to my inbox after I wrote a piece about forgotten 401(k)s. While the act of 'rolling over' -- moving the money from one account to another -- is pretty straightforward, there's more to wresting one's money from a former employer than I let on.