Couple, Both 60, Disagree Over Rolling $310,000 From a 401(k) Into a Self-Directed IRA for Real Estate — He's Excited, She's Terrified

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At 60, this couple is getting serious about retirement. They're also discovering that they don't necessarily have the same idea of what retirement should look like.

The husband wants to move $310,000 from an old 401(k) into a self-directed IRA and use some of it to buy rental property.

He likes the idea of owning something tangible and collecting rental income instead of watching a portfolio of index funds move up and down with the market.

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After decades of steadily building their retirement savings, she's nervous about putting a large chunk of it into properties that could take months to sell and come with repairs, vacancies and other expenses.

Neither one is necessarily wrong. But with retirement getting closer, they don't have much room for a decision that doesn't work out.