<prompt> Human: Hello rpersonalfinance,I just graduated college and after a long search landed a job that I started 1 month ago. My parents are gracious enough to let me live at home until I get on my feet and can find some roommates.I am currently at a 90kyr salary for my job and expect it to be at this level for a while. The company has a 401k plan that works as follows. 4 match if I contribute 8 vested immediately and 3 that gets vested in June of 2019. At the moment I contribute 30 of my pay the maximum to this 401k plan to catch up to the 18k limit in 2016. In January I will move it down to 20.Throughout college I was able to save up money from the jobs I worked. With this money I was able to opened up a Vanguard Roth IRA after reading the FAQ and contributed 5500 to that account and put all the money towards VANGUARD TARGET RETIREMENT 2060.As for emergency funds, I have 4700 in my BOA checking and 7k in an Ally 1 savings account also the recommendation of this sub.Finally with the leftover money that I saved from college, I have a taxable brokerage account with the investment guy that my dad uses. The company that does the investing is Pershing LLC not sure who these guys are. The makeup of my investments are as follows: 2300 in BCX 2700 in RVT 2500 in EOD 4200 in AOM 3400 in VYM 3400 in VXFI really have no idea if these are good funds or if the investment guy is taking fees from my earnings. Do I even need him? Should I maybe just pull my money out and invest by myself or keep the money in the taxable brokerage account with him? I dont really think there are any other tax shelters that I could be using at the moment. Am I missing something? All additional money that I save is going to go into those investments.Please help!  <response>: Never get used to having money and continue to live the poor college student lifestyle. 