<prompt> Human: Alright, so Im 40. Up until a few months ago I was living check to check, and while I have had a 401k at work, Ive barely contributed. Things changed. Im now debt free, got emergency funds and then some sitting in a couple different money market accounts with a 1.5 rate. Ive also ramped up my 401k to the max 18,500 yearly and the employer match is good. Right now, its all traditional. Beyond that, I honestly have no idea what Im doing. So I dumped 5,500 into a Vanguard Roth IRA Brokerage account, since thats the max I can do or is it? So now what? Im not real sure where to allocate it, since they have so many funds to choose from. Its currently just sitting there in a money market fund. Some of these are 10k minimum, like the larger index funds. Where am I allowed to play? Again.. I really dont know what Im doing here. I just know Id like to retire before I die and not be a hobbit. Advice for the noob?  <response>: Ive also ramped up my 401k to the max 18,500 yearly and the employer match is good. Just making sure youre putting that into some sort of index funds and its not sitting there in cash. 