<prompt> Human: Hi PF! I have 3 main questions, and any and all answers and advice would be appreciated! Im 26 years old, and I recently moved to a new state, so the whole process has had me taking a serious look at my finances.Heres my breakdown:- 26, single, 1 dog- No loan debt.- No credit card debt - I have three credit cards. I never spend more than I actually have, so I am always able to pay off my balances.- 21,000 in savings - This is split into 4 savings accounts: one for me, school I want to start grad school next year, vacations, and an emergency pet fund. This number was higher before my cross-country move, and I intend to put that money back.- 13,500 in my 401k from my previous employer.- Roth IRA - I opened it this year and have maxed out my contribution.- Currently renting within my means.- I do treat myself, but I also prefer to save and work extra for anything thats a want and not a need.1 So PF, am I on the right track? Is there anything else I couldshould be doing?Also, my new employer uses a 403b retirement plan as opposed to the 401k plan from my previous. I will, of course, match whatever my new employer matches. 2 What is the difference between the two? A quick google search showed that administrative costs for a 403b are lower, but something a little more in-depth, but easy to understand, would be great.Finally, my 401k with my previous employer is still with them, as in I havent moved it to a private company. 3 Is this wise?Edit: Formatting.  <response>: All of us can always do better than we are now. I will say youre doing wayyy better than I was at 26. My only advice would be to post all your expenses and let us tear them apart, if youre feeling brave. 