<prompt> Human: I need opinions. Ive done some researchreading and just want to know what you guys think. Heres some background info.So Im currently a student right now. I hope to go to physician assistant school in the future. I work as a CNA and I have my own Amazon FBA business. I estimate my total income this year to be around 50k. Ive read a lot of investing books up to date and Ive already messed around with investing in stocks on loyal3 for a while. I also currently have 3k in my company Roth 401k. Unfortunately Im not vested yet nor do i plan staying around there long enough to get vested since I plan on going to physician assistant school. Anyways I have some money just sitting around in my checking account doing nothing and I wanted to invest it. I have 15,000 sitting in 3 5,000 5 insight savings account and 30.000 saved up total about 15k in my check account after taking a gap year.I used the fund tool on vanguard and got a suggested allocation of 100 stocks. It makes sense since Im only 23. I plan on putting in 5,500 to max out my Roth IRA with Vanguard for the year. I was thinking of putting money in Vanguard Total Stock Market Index Fund VTSMX and Vanguard Total International Stock Index Fund VGTSX. I noticed that both funds require a 3,000 minimum so Im thinking of going about 5050 the first year and then reallocating the amounts to 8020 VTSMXVGTSX respectively. Anyone have any suggestions as my fund choiceallocation ?Assistant: If youre headed to school, Id probably keep the money in the bank for associated expenses there. If you do want to invest for retirement, use the Vanguard Target Retirement fund appropriate for your retirement year. Human: Money really isnt a major issue for me right now. Id prefer to start maxing out my IRA since I havent had a chance to when I was 18-22. Im going to research a little more about the target retirement, but I cant say Im a big fan of it from what Ive learned about it so far.  <response>: Keep reading until you become a fan. 