Growing up we never talked about money as a household. My parents both were high school teachers so while they weren't making a ton we were comfortable, if on the lower end of our town's income, and they both had pensions so retirement was something that would just happen for them. Today when I mention I grew up in a house with one telephone (land line), one TV, no air conditioning except 1 window unit for my parents' bedroom, and one bathroom, people look at me like I came from Mars lol!
Along with the lack of general money knowledge, I knew to get a job as early as possible, so I started working part-time in the local library at 14, and straight on except for one summer in undergrad until 2020. The Covid break was my longest unemployment, at a little over 2 years, and over time in various jobs I ended up with a 403(b), 401(k), employee stock purchase program stock, small pension, small traditional IRA, and there was a ROTH IRA I had from 18 forward which I'd funded on and off. I looked at this and went "there's got to be a better way," especially since I now have another, current 401(k) and ESPP for SIB.
I tried to get a response from my current bank where my ROTH is, but after 6 months and 3 in-person visits being told "he'll call you" I finally gave up and found a different firm. They do wealth management with average AUM between 250,000 and 1M so I fit in that category and figured as their target client I would get decent service, plus they have a local branch.
So far I'm very happy with what they have, they understand my fairly conservative risk portfolio given the possible health issues that may occur (I didn't go into detail, just said I may have to retire early because of health reasons), and money is now being transferred over, although the full transfer of assets won't be finalized for a few months still because of the pension which requires more paperwork.
I've added money to the mental list of "things I wish my parents had told me" at least with budgeting, etc, but also realize that their retirement experiences are completely different from what mine are since they had the bulk of their money pre-403(b). I'm happy for them it worked out that way since I hate dealing with money. I've had an anxiety attack every day I've left the financial advisors offices, even if I can force myself to hold it together while I'm there, and I know this traces back to basically feeling like I was left to my own devices on these issues.
Oh well, I'll suffer a few more attacks I'm sure, but it will be worth it to hopefully never have to make major changes other than an occasional rollover or something of the sort pre-retirement. At the very least, my accounts are getting consolidated into 3 main, an annuity, a traditional IRA, and a ROTH IRA. All of my money will be gone from my former employer so if they try to do anything funky with the pension (which I wouldn't put past them), it's safely gone. I've never been much for risk, but this at least gives me some peace of mind.