<prompt> Human: What I have:2 401ks from previous employers. One with 1500 and another with 4300 at the old employers and a new one with 0 dollars for the current employer.What dont want: fees, taxes, multiple 401ks with my money being dispersed everywhere.What I do want: money saved up in fewer places.I do not think the current employers 401k is that great no vanguard and no matching. I am just putting 5 in there monthly just to lower my tax burden somewhatautomatic pre-tax savings. Im really more interested in saving money up in a better place. What do?  <response>: Just open a rollover IRA at your favorite institution and process a 401k rollover. A lot of times this can be done totally online. You wont have to pay taxes, there shouldnt be any fees and itll probably take you 30 minutes account. 