Previous employment retirement accounts before residency

[Rght12]

Hi,
I just finished reading the wci financial bootcamp book. I'm hoping to start residency in July and went back to look at 2 retirement accounts I have from previous jobs I had. One is a 401a w/ 11k, there is an annual $35 fee, the annual operating expenses are around 0.03%.
The other is a supplemental pension savings plan (SPSP) w/ 8k, the annual operating expenses are not as good. -I was told the money I put in there was taxed ahead of time and therefore can't be rolled into a Roth account...
I was thinking of rolling the 401a over to a Roth IRA before residency, I'm not sure what to do with the SPSP.
Is it worth rolling the 401a over? Any suggestions for a SPSP? Or should I just start from scratch in residency and let these grow on their own separately?
Thank you

[jfoxcpacfp]

I’m not your financial advisor, but I would, in general, recommend moving the 401a to a Roth before your income jumps. I d/n know enough about the SPSP to provide an opinion, but that is interesting that the $$ goes in post-tax. If you have no say over how it is invested, probably just pretend it doesn’t exist until you can take it out w/o penalty someday.