They are all separate accounts

Thank you, I’m trying to get as much as possible. Unfortunately my company doesn’t offer a match yet

Yes I rolled a previous job 401k into the fidelity account. They sent me a check and I opened the account on fidelity with it. Then it sat without positions for a couple years before a random comment on here helped me realize my mistake. For my purposes though there isn’t anything wrong with having both a traditional and a Roth?

Perfectly said.