<prompt> Human: Right now I have 25,000 in combination of savingschecking account and 3000 in my ROTH IRA. Im waiting for more on the books money to accrue before I invest in my Roth IRA. For now, my savings is technically part emergency fund, part checking account, and just chilling there. Im 23 years old and still young, where I sometimes have unexpected payments. Should I only have a certain amount in my savingschecking accounts, and use whatever extra to invest in dividend stocks and ETFs such as VTI or SPY? Ive been thinking about growing my money this way. I appreciate any feedback.  <response>: Most people on this sub are index fund investors.They invest in a Target Date Fund, or a 3 fund or 4 fund portfolio of index funds. 