<prompt> Human: I hope I didnt break any rules here. I am 25. Not married. No kids. Live with gf. I make 65k a year. I contribute 10 of my paycheck to employer 401k. After bills, I have about 1000 to investsave per month.I dont have an emergency fund at the moment but I would like to start one. I just moved from an a financial company to Vanguard. It was an in-kind transfer and I just sold my shares so now I have about 3500 sitting in a MM account at Vanguard. I was planning on purchasing some ETFs with that money and then making monthly transfers from my bank account, probably 500 each pay check and then dividing it up between ETFs and IRA. I also have a Roth IRA I rolled over that I would like to contribute to.Some Questions:1. Should I transfer that 3500 to my main bank account savings for my emergency fund? Keep building that first?2. I have an extra 1000 to saveinvest per month. How should I use that 1000? Emergency Fund, Investments, Roth IRA, 401k?Extra notes: I dont really get WHY I have a Roth IRA, why I am investing, why I contribute 10 to 401k. People just told me to do it, so I started doing it. Maybe if I understood the benefits of each investment, I could make the best decisions.Any advice will be appreciated! Ill be happy to answer anything!  <response>: I dont really get WHY I have a Roth IRA, why I am investing, why I contribute 10 to 401k.Dont think retirement accounts which bores most people. Think lock boxes where you can build wealth tax free. Wealth builds way faster when the government isnt taking a cut every year. Think of it as screwing Ted CruzHillary Clinton who wont get to tax your dividends or capital gains.The standard suggestion for an emergency fund is what it would cost you to live for 6 months if you lost your job. 