<prompt> Human: BudgetLeft side is my current budget. Right side is my budget if my roommate moves out. Soonest he could move out is December. Housing is a 15-year mortgage at 3.5House is 20 years old with newer HVAC, AC, roof, and water heater. 401K: 15500 Roth IRA: 5100 Savings: 5600 Debt: none just paid off student loans Savings is put into this fund: FBIOX My thinking behind this is Ill have 10k saved at least by the end of the year. If this fund gets 10 ROR then thats a free 1k for a vacation or home repair each year. What would you do if my roommate moves out? Am I on the right track otherwise? Would you change anything?Assistant: I dont have time to critique in detail, gotta head to work, but...Wow. Ballsy. I wouldnt put my savings in a sector specific fund. Human: Past performance doesnt guarantee future returns. But... look at how this fund handled the housing crisis by comparison to the market. 20 ROR over 10 years even with that dip. Also, the market is health. Its horrible to say but all those baby boomers are going to start needing health care  <response>: Youre investing in biotechnology companies, not healthcare companies. Some different considerations here. 