<prompt> Human: Hey everyone - Ill be switching to a job that doesnt have a 401k plan and wanted to use this time to figure out my retirement accounts. I currently have my 401k from my most recent employer and another one from an older employer that hasnt been touched or rolled over. I also have a Roth account from my most recent employer. All of this is with Fidelity.So my questions, should I just rollover both 401ks into a traditional with Fidelity? I also have an account with vanguard for non-retirement so I think I could roll it into an account with them. What would be the updownside of that?I also have both plans using target retirement funds. It seems like general consensus is that those are fine as long as the expense ratios arent too bad. Should I look into changing up the funds Im investing in if itll be two separate target funds?Thanks for any and all help.  <response>: Rollover into a traditional IRA - its gonna be a lot simpler in the long run to have everything in one account. Also, easier to deal with one company as opposed to three.Imagine in 30 years, if you have to take qualified distributions from 4 different companies. What a pain! 