<prompt> Human: So after changing jobs from time to time over the past 20 years I now find myself with 5 different 401Ks. I know I should probably roll at least some of them over into my current retirement plan.. is it better to roll over everything? Some things? The ones with the larger balances? The smaller balances? Something else?  <response>: Unless theyre currently invested in very good funds with low fees, you will probably be best served by rolling all of them into an IRA with Vanguard, Fidelity, or Schwab. 