Thanks. I see your point. It makes sense. What is your take on sticking to the same list of index funds (when the expense ratio is zero) across all my retirement accounts?

Thank you. Will there be any difference between how ETFs are taxed vs Mutual funds are taxed?

My 401k fund options are very limited. So I chose the funds I mentioned. I wanted to move to ETFs because of their low expense ratio.

Thank you! Are you referring to the maximum income limit until I can contribute to Roth IRA?

My HSA is with Fidelity.

I am 33 now. I didn't have much idea on the investing when I started initially. I started with a brokerage account. This is what my plan is going to be 1. Match the employer contribution of 401K 2. max out HSA 3. max out Roth IRA.