Elizabeth Ayoola

And Benjamin Edwards also holds a $12,000 Roth IRA.

My question is, should I consolidate all of this money into a single Roth?

And do I really care which of the three companies holds it?

Using a robo-advisor with Vanguard, I am self-managed with Fidelity on purpose, and my Benjamin Edwards account is managed by a person.

It seems to me that I would probably have better gains by putting all of my money into one spot, and I would rather pay tax on my money at today's rate than tomorrow's.

I enjoy managing the money in my Fidelity account.

Thanks for being nerds.

I love your podcasts, and I love hearing all of your drama.

Listen, listen.

I hope all my school teachers are listening, telling my business I made a career out of it.

And it's good for business.

I love it.

All right.

So we have another consolidation question here.

And I like this one because all three accounts are managed in different ways.

We'll start by answering the question around whether the listener should consolidate and whether they'll have better gains by consolidating all three, Sam.

It also feels like a diversification of investment strategies is going on here with the listener too.

Now, I personally have my money invested in one way.

It's self-directed, but the listener is using three different strategies, a robo-advisor, a portfolio manager, and is also engaging in self-directed investing too.

This would be overwhelming for me because I like my money invested in a uniform way.