<human>: Provide a brief overview of the text.

My wife is a saint and quit her job in July at a large tech firm to move across the country and marry me. I make about 82k/y in rural NC, she was making 105k/y in Seattle. We have no outstanding debt aside from a few thousand left on her car. 
Right now we've got $223,500 split between my Roth IRA, my TSP (I am active duty), three USAA mutual funds, my TD Ameritrade account, her old 401k and, worrisome to me, she has about $80k in Microsoft stock.   
In addition to that she has two checking accounts, two saving accounts, one joint USAA checking account and I have my checking account and one savings account.  Just about evenly distributed in these accounts is another $33,000 in cash. The other banks, if it helps, are Bank of America and TCF. 

Is there any benefit to having so many different accounts? I feel like we should consolidate everything into one joint checking account, one joint savings, sell the Microsoft stock and put it in a life cycle fund for ease of management. We are not planning on purchasing a house or making any other large purchase any time soon so I also don't think we need tens of thousands of dollars in cash laying around not working for us. 

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<bot>: over $220k in investments and $33k in cash split amongst 7 investment accounts, 4 checking accounts and two savings accounts. Should we merge them or keep them split up?)