yea, you do it every year. its maybe ten more minutes of work than contributing to a just a tIRA, which you're doing every year anyway if you contribute to IRA

yea, you do it every year. its maybe ten more minutes of work than contributing to a just a tIRA, which you're doing every year anyway if you contribute to IRAs. like the above said, the only downside is hiding rolled over money in an expensive 401k or having to pay taxes on it