<prompt> Human: Some how we ended up with all of these accounts. Is this normal? I feel like they all have a purpose but am open to suggestions on how to consolidate. Or, anything I should have that I am missing?My checkingWife checkingJoint checkingWife SavingsMoney Market401kWife 401kRoth IRAWife Roth IRA529HSAWife HSATaxable Brokerage for real moneyRobinhood for funCoinbase yeah, I know...  <response>: Seems normal and reasonable.Wait till u start opening kids savings accounts, helocif they serve a purpose and u budget it ia all good 