> I've also learned to not worry about it so much. You'll generally only stay at an individual employer for a few years. After that you can roll over a 401k int

> I've also learned to not worry about it so much. You'll generally only stay at an individual employer for a few years. After that you can roll over a 401k into a low fee IRA held by Vanguard (or whomever you prefer) You can also do a backdoor Roth conversion when you rollover your employer contributions (which can't be Roth contributions.)