I had a 401k that i rolled over from Vanguard to my Financial Advisor. Seems after many years there was some post tax money in there. So they cut 2 checks. One big one which is eligible for rollover and then this small one for $20k which is post tax. I'm not 59 1/2 yet so what do i do with the post tax check? Can i just go and spend it? Or do i have to roll it into a separate IRA until i'm 59 1/2?