<prompt> Human: So I am 21 year old student with no student debt or loans. School is entirely paid off. Ill graduate in a few years with a guaranteed job making around 40,000 a year. I currently make enough money from school to sustain myself. I have no large purchases in my future and already have an emergency fund set up. I have 30,000 that Ive walked into and intend to invest it all for the long term retirement. My plan is to split it:60 US Stock 50 Blended Cap index fund 50 Small Cap index fund30 Foreign Stock 50 Blended Cap index fund 50 Small Cap index fund10 REITsI will max out my ROTH IRA each year And rebalance those distributions every 6 months.Any suggestions or changes you think I should make? Really would love any thoughts or feedback. I feel that exploring the small Cap is risk that I can take.Thanks!  <response>: Read the book If You Can How Millenials Can Get Rich Slowly 