The IRAs.
The next big step in getting our financial house in order. The IRAs.
My spouse has a 401K through his work that he contributes to. Not as much as our goal is, but we want to get out of debt first. He contributes 4% and our goal is to up that a little bit at a time until at some point after we are not in debt it is at 10%. We may up it to 5% this year. We are still discussing it.
I have a Roth IRA which I contributed to while I was in grad school and have not done anything to since. My spouse has a traditional IRA he rolled his 401K from his last job into. What I need to do is decide what I want to do with the IRAs. Mine is in a national bank and I have easy access to dealing with it but I am not happy with the level of fees I am charged, and my spouse’s is in a local bank where we used to live and can only be “moved” without penalty one time a year, like a CD.
I want to move them both to a different place, somewhere I choose thoughtfully. I want to be a wee bit more involved in what is going on with them and pay a little more attention. They are both doing fine but I want them to be more under our control and less a kind of “thing” out there that we have but don’t really even notice.
I need to start researching firms and figure out where I can best put them that minimize fees to me and also figure out of there are any tax consequences to moving an IRA from one company to another (I wouldn’t think there is, but, that is why I need to find out. There might be for all I know). I need to figure out my options.
And I have no idea even where to start. I’m sure the information is out there though, and I will find it. Six months ago I only had a foggy idea about how to start addressing our debt situation, and now, I have a solid workable plan. I’ll get there.
Hopefully soon. 
~J
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