<prompt> Human: Heres my situation:23, no debt just finished paying off 22K in student loan debt, 6K in savings, comfortable salaried job 54k.Id like to take half of my 6K in savings and invest it into a Vanguard Roth IRA for 2012 before the April 15th deadline. Most people would say an emergency fund should be left completely alone, however I have plenty of things to fall back on if I were ever to end up in a true emergency, namely:1. Significant other makes 60Kyear in a comfortable medical job and could support me temporarilyMy questions are:1. Is there any concrete reason I shouldnt do this?2. Which Vanguard fund low to moderate risk would you recommend me investing this 3K in?  <response>: IMO, if you havent maxed out your Roth IRA for the year yet, you should at least contribute 5k and throw it in a money market fund. Then once you make enough to cover your emergency fund in your savings account again, you can switch the money over to index funds and you just effectively increased your tax advantaged space. 