Sometimes The Best Thing You Can Do Is Nothing

One of my goals for this year has been to reallocate the money in my 401(k) and Roth IRA. I did my 401(k) a while back, and I decided to get serious about changing the Roth this week. After a lot of research, here's what I did- NOTHING. It turns out that where I have the money is actually the best option given my desired criteria (expense ratios, ease of investing monthly amounts, and allocation among different asset classes). At first I was frustrated that I did all this work for nothing, but I realized that's not true at all. I put in all the effort to make sure my money was in the best possible place, and it is. Sometimes doing nothing is exactly what we need to do.