Rule of thumb is 1x income in retirement accounts by 30 and 2x by 35.

You can’t contribute to a former employer 401k or an inherited IRA, so those aren’t options.

Inherited IRAs require distributions from them. You should check with the manager and make sure those are being handled.

Take a look at the article on “rollovers” in the wiki in the sidebar for what to do with the old 401k.