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To check your 401(k) balance, you can typically log in to your online account with your plan provider. If you have forgotten about a 401(k), you can contact previous employers or check pension tracing services. Withdrawal rules for a 401(k) depend on factors such as age and employment status, with options including lump-sum distributions, rollovers, and loans. Using your 401(k) involves understanding investment choices and managing contributions.

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