You spent nine years at a hospital. Then five at a university. Then you took a corporate job because the pay was better and the parking was free.
Now you have a 403(b) from the hospital, another 403(b) from the university, and a 401(k) from the current job. Three login pages. Three sets of fees. Three different fund menus, two of which you have never once looked at.
The obvious question: can you just put them all in one place?
Yes. Almost always yes. The rules changed decades ago and most people never got the memo.
But there is a version of this that costs you money, and a version that saves you thousands. Let us sort out which is which.