<prompt> Human: I contribute 150 per month into an IRA account via Schwab. If im purchasing etfs around 120 per share and commission is 4.99, should I wait untill I can buy more than 1 share or just purchase as soon as funds are available? I dont know if Im making a mistake spending on commissions every month on such a low trade value.  <response>: You should probably buy ETFs or mutual funds that dont have commission fees! Look for the OneSource funds at Schwab. 