<prompt> Human: I realize this is a pretty tight sub so forgive me if there is a better place for this kind of question. Im 32, wife, 3 kids. Own my house, life insurance, retirement all accounted for and doing well.We have a life goal of buying land in Colorado and building a small Cabin on it to retire to. Right now, 2500mo goes into an online savings account that earns 1. I used to be fine with that. I saw my parents and grandparents get hosed financially in the recession, and I just never wanted that to happen to me. I love saving, I love seeing that number go up each week we get paid weekly, and it doesnt bother me. But, Im starting to feel like I could do better than 1 without a ton of risk. Right now there is a little over 30k in the account. Thoughts?Assistant: I would read through the FAQ and Bogleheads to learn more about a basic three-fund portfolio and index ETF investing. You can find some sample portfolios and go from there. If youre very worried about risk, just keeping increasing the share of bonds in your portfolio until you feel comfortable.I know its brutal hearing others stories regarding losses during the recession, but Im sure theyre still way better off taking the gains and stomaching one or two losses then settling with 1 the entire time. I find the more I read about index investing, financial independence, etc. the more comfortable I feel about my investing.Human: Looking through the FAQ now, not sure what you mean by Bogleheads? Would love to see sample portfolios, care to hold my hand with a link or two?  <response>: Sorry, Bogleheads is a community of people dedicated to teaching others about index and passive investing. Its a great place to get started if you looking for setting up a portfolio. Heres a link to the page that dives into several typical Boglehead portfolio setups. 