Do you put nothing or something other than cream ? <| sep |> Thanks heaps bro ! It ' s a Micro USB cable And yup ! The programmer works on Mac OSWindows Linux , you can download it through here Linux version still needs to be compiledCheers again <| sep |> my Roth IRAto start its five years period I think that five year period has a lot less significance than you probably understood . It isn ' t needed for withdrawal of contributions and isn ' t enough for any withdrawal of gains . If I understand , correctly I will be able to rollover Roth 401 k to Roth IRA when I change job . Definitely . What I ' m less sure of is after the rollover from Roth 401 k to Roth IRA , the rules for preretirement tax and penalty free withdrawal of the 401 K contributions . Those rule only matters to you if you are putting long term savings there as well rather than just putting long term savings in the Roth IRA and then the overflow of real Roth savings in the Roth 401 k . So that rollover would be done mainly to get lower expense ratio . I hope that there will be matching from my future employers and then I will start to contribute to pretax 401 k . If they have a match and offer Roth , they will give a pre tax match equally well for Roth 401 K as for Roth . Most people should switch at some point from Roth to pretax 401 K to end up with Roth as a small part of total at retirement , but to accumulate the larger pretax part when subject to higher marginal tax rates than you pay now . Since the match itself is pretax , it has little influence on when you switch your elective contribution from Roth to pretax , but such influence as it has would go the other way toward delaying that switch .