<prompt> Human: So through a few jobs over the last 4 years, Ive ended up with multiple retirement plans. Ive got two amounts in 401ks One has about 450, the other has about 1,000 and a third amount in an IRA This ones about 700. The issue is, theyre all with different companies. The 450 one is through Paychex, the 1,000 is through Empower Retirement, and the 700 one is through Fidelity. Ive looked in to moving them between different companies before, and it seems like a really big hassle. Is the money fine where it is, or would it be smarter to jump through the hoops to get it all in one place? Also, if I chose to do a distribution and get some of it back in cash, that will need to be reported as income during tax season next year, correct? Im not sure if its relevant, but currently Im living at home while going to school. Ive got 2,000 in savings, but Im going to have to start covering some of my tuition out of pocket so it wouldnt hurt to have some extra money in my savingsmy job is on campus so they work with my schedule, but its only barely above minimum wage and I only work about 15 hours a week. Any insighthelp would be most welcome!  <response>: Open an Ira and have that company jump through the hoops to get your other funds. Unless you are really happy with their investment performance, its better to have them combined. 