<prompt> Human: I bring in about 1,700month after taxes and health insurance are withdrawn. After lifes other expenses, I have 725 sitting around. I just set up a Vanguard target-date fund with an initial 2,500 investment. I plan to contribute 458 monthly to that so I can maximize my Roth.That leaves me with a little leftover money. Ive already budgeted for food, entertainment, etc. Id like to contribute 200month to something else with an initial investment of 1-2k. Ideally Id like to use this to make my money grow faster than it will just sitting in my bank account. Id use this separate fund to eventually pay for things such as vehicle, travel, marriage, etc. Just things to improve the quality of my life, but not things that will be yearly expenses.So, what type of funds should I be looking at? As far as taxes go, what should I consider and what should I avoid to minimize taxes? 25, single, no debt. 7,500 in the bank and 2,500 in my newly-opened Roth IRA.Sidenote: Should I maximize the 5,500 before the end of the calendar year or just before April 15? Im unclear on how that works or if it even matters.  <response>: Should I maximize the 5,500 before the end of the calendar year or just before April 15?Doesnt matter tax-wise, but its generally better to get the money in as soon as possible so it has that much longer to grow. 