Geoffrey Sanzenbacher

She had it at Vanguard.

They're a good company and they were very cooperative and helpful.

And

Her new employer was, of course, helpful because her new employer's provider wanted the money.

And it was still really hard.

And I knew what I was doing.

Yeah.

So that was like the best case scenario.

Two willing participants and a retirement researcher.

And it was really challenging.

So if you're facing more than that, a lot of people just don't do it.

And so that's how you end up with, you know, even a decade ago, a third of people having more than three of these things sitting around.

You know, I think it was just a lot of paperwork.

I think that, like, it was five to ten pages of paperwork.

It wasn't that it was so challenging as it was.

It's like any time you put a barrier in front of someone, you have the chance of losing them.

And there were at least three different points where I was like, I'm just going to give up.

But we persevered and now all our money's in one place.

So, but yeah, that's rare.

It's very rare.