Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Multiple accounts stagnant after quitting job.
You ask multiple question here.  The 401(k) - move it to an IRA. As others stated,this will lower your costs, and open up a potential I didn't see mentioned, the conversion to a Roth IRA. A year in which your income is lower than average is a great opportunity to convert a bit of the IRA enough to "top off" the lower bracket in which you may find yourself.  The company stock? If you never worked for the company would you have bought this stock? Would you buy it now? If not, why keep it?  The loan is the toughest decision. Will you sleep better if it were paid in full? What's the rate? 6% or more, I'd pay it off, under 4%, less likely. I'd invest much of the cash and the $8000 in stock in a Dilip-recommended VFINX, and use the dividends to pay the loan each month.