<prompt> Human: Some background: - NJ - work in Philly city wage taxes apply - contributing 15 to TSP - GS 6. S 4I opened up a Vanguard account, only to realize I need a minimum of 10k for some funds. Others, only require 3k. Are ETFs practically the same?I am considering opening up a 529 with NJ. But, I dont like the educational purposes part of it. What happens if my boy doesnt want to go to school? Is this transferrable, tax free?I also thought about buying an investment property with 15yr mortgage. Paying it off, and handing it over to my son when he is of age and allowing him to do with it what he will.Basically, I am open to many vehicles and avenues. But, I guess my basic question is where to start, especially with this 3k just hanging in a money market account?Thanks in advance!Edit: this is after all expenses considered, i.e. childcard, medical, emergency, retirementEdit: AGAIN, this is after all other expenses are accounted for. And thanks all for the sound, valuable advice. Im leaning toward putting it towards Vanguards VOO. Utahs 529 also seems like a healthy choice. Assistant: Your post is a big vague with goals; are you saving for college? Do you want to know what to buy now? Have you looked at child care?Human: Apologies. I guess my question is how best to invest in my childs future education andor trade?  <response>: the best you can do is be a good parent and be financially stable by yourself, it has no benefit to be nearly broke all your life and then hand over some land to your Son when hes 18, its much better to live a normal life without constant worries and being supportive. 