I am 25 years old. I fall almost to a T what Scott was describing in “Set For Life”. My income is not an issue... I will start living a more frugal lifestyle & can easily save thousands of dollars every month.

However, I currently have about $8000 spread across different brokerage type accounts (Robinhood, M1, Fundrise and betterment) and about $3000 in my Roth IRA. I know now to start racing to accessible cash that I can use to invest in real assets. I'm still very new in the tax world. Do I leave the $8000 where they are and completely start from scratch? Do I pick one index fund brokerage account and move all the money to that account along with my IRA? Or do I move it all to my IRA?

Again, moving forward I have no worries about my saving abilities... I just don’t know how I should reverse the earlier decisions I have made in my early 20s. Thank you in advanced.