I recently moved a couple retirement accounts I set up (but never really contributed much to) at TRowe and were invested in mutual funds to Fidelity. They were a small Roth IRA and traditional IRA. The traditional was mainly rollover money from 401k's from a previous employer and is around $50k. The Roth is around $12k.

This is not my main retirement account, that's currently a 401k I'm putting 10% into + a 6% employer match. I estimate I'm 12-15 years from when I'd like to retire.

My wife has considerably more invested (from an inheritance) and we also have a house. She also stands to (probably) inherit more, including property. My parents on the other hand are a little more "blue collar"...We are looking to move in the next five years and start downsizing as we are both in our early 50's.…