. >> caller: hey, jim cramer, zade in connecticut. i quit my job two years ago, i'm 67 years old and i have $400, now a 401(k) that i've been trading myself in small cap which i haven't done recently but s&p, i had good returns the last few years now i don't know if i should roll it into an ira or -- >> do you like what enough your 401(k)? >> we have a self-direct brokerage and i was in fidelities fbios. >> you should stick with it. you're if good shape. just stick it with. i like what you've got. some people are locked in. mike in new york. mike? >> caller: mr. cramer, how are you doing? >> i'm fine, how are you? >> caller: i'm a retired police officer for two years, i've been in the city pension system for over 20. what is the difference between a 457 plan and a roth ira and what are the benefits or the pros and cons between the two plans? >> i'm going to have to ask you to check with your people at your pension plan because the 457 deferred plan i am not quite sure how that works and i'm not going to be able to cuff something here.