 easier to manage it when it's in one place. But you may be able to save some money. Maybe you were in a retirement plan where the plan costs money or more money than your current plan. Or maybe you just say, well, my old plan stinks. My new plan stinks. Maybe we roll the old plan into an IRA rollover or a Roth IRA if it's a Roth account. And you just open up that account at a brokerage firm where you can buy very inexpensive or 0% mutual funds or exchange traded funds.