<prompt> Human: So Ive recently been doing a lot of number crunching, figuring out my take home after mandatory and discretionary spending and what not. I have a little play with my money, and recently decided I should try to invest a little bit more. I have a 403b retirement plan through my job, but I only contribute 4 which is fully matched. I also have a mutual fund through my local credit union. So my thoughts have been to invest an extra 50 every month, even though I know its not a whe lot extra, in the long run I thnk itll be nice. My question is where I should put it.. I could make monthly contributions to my mutual fund to help build that, but for every transaction there is about a 5-6 fee. Or should I put that extra 50 into a savings account, that way theres no fees.. Or should I find some new investment all together? Any advice or thoughts would be much appreciated.  <response>: Get rid of that credit union mutual fund...those front end funds are bogus. Most of the online big boys Vanguard, fidelity will have those same funds without the front end fee. Your credit union is charging you the 5-6 to do what you can easily do yourself.Credit Unions do alot of things right, investments arent one of them.Also 1 to the ROTH IRA if you qualify and you dont already have one. Again, you can work directly with the big boys for that as well. 