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Multiple accounts stagnant after quitting job.
What is my best bet with the 401K? I know very little about retirement   plans and don't plan to ever touch this money until I retire but could   this money be of better use somewhere else? If you don't know your options, I would suggest reading some material on it that might be a little more extensive than an answer here (for instance, http://www.getrichslowly.org/blog/ has some good and free information about a myriad of financial topics).  With retirement accounts you can roll it over or leave it in the current account.  Things to look at would be costs of the accounts, options you have in each account, and the flexibility of moving it if you need to.  Depending on what type of retirement account it is (Roth 401K, Traditional 401K, etc, you may have some advantages with moving it to another type). The student loans.... pay them off in one shot? I have the extra money   and it would not be a hardship to do so unless that money can be best   used somewhere else? Unless I was making more money in a savings/investing/business opportunity, I would pay off the student loans in a lump sum.  The reason is basic opportunity cost (economics) - if a better opportunity isn't on the horizon with your money, kill the interest you're paying because it's money you're losing every month. With the money just sitting in the bank I get a little sick feeling   thinking that I can be doing something better with that. Outside of general savings you could look at investing in stocks, ETFs, mutual funds, currencies, lending club loans (vary by state), or something similar.  Or you could try to start a business or invest in a start up directly (though, depending on the start up, they may not accept small investors).  Otherwise, if you don't have a specific idea at this time, it's best to have money in savings while you ponder where else it would serve you. Keep in mind, having cash on hand, even if it's not earning anything, can bail you out in emergencies or open the door if an opportunity arises.  So, you're really not "losing" anything by having it in cash if you're patiently waiting on opportunities.