<prompt> Human: 23 around 80k a year with low expenses no debt 30k in savings Roth IRA vanguard target retirement fund maxed put 6 into 401k, get matched 4The only savings goals I have are for travel and getting my MBA sometime in the next 5 or so years. Ive read a lot about Vanguards SP 500 index fund and think I would like to put a couple thousand in there but is it silly if I have some money in Target Retirement fund and the SP or is that the correct thinking for diversifying?  <response>: Max out your 401k. If you still have money left over after that, then invest in a taxable account. 