> I didn't do a rollover when I changed employers (I think there is some time limit which I have likely exceeded). There are several "timelimit" related aspect

> I didn't do a rollover when I changed employers (I think there is some time limit which I have likely exceeded). There are several "timelimit" related aspects to 401k rollovers, neither would apply in your circumstance. You sound anxiety paralyzed like you made some "unfix-able past mistake" and there is zero reason for you to be. > It is just sad :( See my other comment about consolidating all of your legacy 401ks into a single robo-advisor (betterment/wealthfront/etc). It isn't hard, mainly consists of sending a few emails to HR departments and forwarding a few paper checks. Any robo-advisor will have a support team that will hold your hand through the process for free - they want to earn your business.