<prompt> Human: Hey everyone! Been lurking around for some time but felt it would be helpful to actually ask for advice!Briefly about me: - Just finished medical school.- Currently in residency making 55k. Itll stay this way 55-65k for another 6 years until I finish.- No debts! Only expenses are for my sustenance: rent, groceries, food, social, etc.- Ive saved up around 50k over the years that Ive set in a few ok mutual funds that I havent touched in years to be honest.- Currently live in a large metro area. Rent is around 1kmonth.Two questions:1 I was thinking of just putting all my spare money into a Vanguard retirement fund 2050. I dont have time to really do anything with it. Is a savings account or another strategy any better?2 Roughly how much money should I try to save month. I want to make sure I keep the mentality of save first in mind. Thanks reddit!  <response>: Roth, Roth, Roth. Max the Roth IRA. Max a Roth 401k if you are offered one. For the next few years your income is lower than its going to be most of your professional life. Pay the lower taxes now and put the money away in a tax-free account. Its going to be a great deal for you.Target date fund is fine. You can consider a 3 fund portfolio to lower your costs Total Stock Market, Total Bond Market and Total International but its much more important to actually do the saving and put it in a tax-free account. Go ask on bogleheads.org if you want a lot more good portfolio advice. 