I'm already printed for work.

Spent over 4 hrs doing paperwork and going over benefit sign up and various other admin stuff. Brain broke. TIAACREF or Fidelity? Then which funds (I am not savvy enough to do brokerage and custom money msnaging.) Times two because I will have 401(a) and 403(b). At least insurance is easy?

Every time I'd start feeling a complete failure as an adult (could not remember how many deduction I take-cmon, I last did this 19 years ago) an older colleague would ask a question that was even dumber and I'd feel marginally more competent. Yay?

Hah. I hear that about the fingerprints, Jesse. I guess I am less worried about the government having my info and more worries about private companies doing so?

Yeah, fair.

My neighbors asked if I wanted to go to an Alzheimer's panel, and gave me a ride, but it was kind of ugh and went on too long. At least some other friends were also there, who I haven't seen in while and was happy to see!

(Anyone got advice Tiaacref vs Fidelity? I was leaning T, but more reading has me waffling.)

I have no advice sarameg, I should have considered my options more carefully but I had no Intel to go on. So um, best advice is find a financial advisor who is actually trustworthy?

I had both at some point Sara. I know some TIAA accounts have limits on transferring them if you ever want to do that, but it was only some of the ones I had.

I've got a couple weeks to call both companies and get info on fees and shit. I have NOT been proactive up until now, but now that I'll seriously be close to hitting IRS max for retirement thanks to the 401,I'm trying to get on a new path. But not so much I'm trading or anything, just sign up for a plan. And then after I figure that out, transfer most savings to the credit union I'm now eligible for.

I'd pick TIAA, personally (that's where my current job's retirement fund is, plus I have a Roth IRA with Vanguard), though I'm not sure it will make much difference either way. Do you have info as to when/how/how much each one charges in various fees? I feel like I picked TIAA because the fee structure made more sense to me, but I don't remember specifics now.

But probably more important is your choice of funds. (Do you have a way to see which specific funds are available to you in TIAA vs. Fidelity?) My preference is for low-fee index funds that track a broad section of the market; I'm sure both TIAA and Fidelity offer several that do this.

Money into retirement= money I pretend I don't have, until retirement. Which reminds me, also will need to rollover my 401(k) into the 403. I think?

I have a gazillion options. It's overwhelming. I need a spreadsheet, but like I have the time.