<prompt> Human: As a college student earning very little money and dumping it into a vangaurd target fund, Ive already lost around 100 dollars since I put it in 3 weeks ago. It seems hard to not focus on these small short term losses but I have nothing to compare this against because I have never had any gains. Could someone provide some insight on how to change my mentality or any personal situations that show putting my money into a Roth now is worth it?Assistant: The Roth account isnt your problem, where you invested is the problem, that said, I find regular contributions over time is the way to take full advantage of these vehicles - short term ups and downs become less important if youre investing through them. Human: Are you saying that the Vangaurd target funds are an unwise investment choice? I got that from where you invested is the problem. Also if so, any better recommendations?  <response>: No, that is a great investment choice. Ignore dailyweeklymonthly changes. You are investing in an IRA for Retirement, or at least long term savings. That is a long way away. 