And you can roll your old in to an Roth so it's more flexible to invest.
Wait so you are saying I can roll my old 401k into my tIRA and just move the money into VTSAX? I'd love to roll it into my tIRA that I am moving from Chase.
I do have some un-vested money I would lose if I moved my employer account... however, I would surely be better throwing it into VTSAX and saving on fees.
Yes, I would recommend moving the old 401k into the tIRA, for both better options and the convenience of fewer accounts. You may have different vesting rules, but my understanding is that in general vesting depends on how long you were with the employer, not how long the account is with the custodian. Generally, any unvested money wasn't really yours to begin with, and thus you don't really lose it. (Again, take a look at the fine print, but in general, that's how it works.)
Have you had a chance to read the stock series at
www.jlcollinsnh.com? That's one of my go-to resources for this type of thing. There are many parts that cover topics relevant to this discussion, and may help clear up a few things. I've read it many many times.
Yeah, sorry, I am trying to mimic VTSAX. I guess I will put medium and small cap in my 401k. Should I do a 50/50 split? I will do this for my match and then max out my wife's VPMAX when I get the chance to begin. Then I may focus on traditional IRA for me and then open one for my wife, then focus on my 401k.
I'm not sure I agree with your funding priorities. If it were me, I would make the match on both 401k accounts, then fully fund the IRA accounts. I wouldn't raise the 401k accounts higher until I knew the IRAs were going to be funded, since those have better options with Vanguard.