<prompt> Human: Im 24 years old and single with no kids or family to take care of, I have about 10k in savings and 15k in checking. I also contribute 15 of my pay to my 401k and get matched up to 5 by my firm. I know for a fact that this is way to much money to not be investing. I keep an excel spreadsheet of my budget and have been tracking my costs for the last 2 years. My current expenses by percentage are:Rent: 30Bills: 4Food: 7Entertainment: 10Gas: 5Car payment: 6Car insurance: 5Savings: 33My current plan is to open a Vanguard account and invest 10k in the the following:VGSTXVTSMXVBMFXVGTSXMy question is what proportions would be good for steady growth for someone my age? Is there a right time to buy into a mutual fund like with stocks or since it is much less volatile this is less of a factor? Basically I have a bunch of money that I have no clue how to make it work for me.  <response>: Read up on the 3-fund portfolio 