<prompt> Human: I got out of debt except the house this year, and would like to open an account with Vanguard for a Roth IRA emergency fund. I currently have about 1800 in a savings account, and am planning on funding at least 350month to a Roth IRA. Id like to build that savings account to the 10-15k range, and then switch to funneling into some kind of shortmedium term thing with vanguard. When I go to vanguard.com, though, they want a 3k minimum. Does this just mean I have to wait a few months to get some seed money? Or is there an option for starting to set up automatic transfers, etc and grow from 0? Realistically I could move some or all of the 1800, but I dont particularly want to.  <response>: You can use one of their funds of funds, STAR or the target date retirement series, that have a 1000 minimum and switch out to individual funds if you like later. 