<prompt> Human: i recently read something that startled me. i have a high 5-figure amount in my savings account and was reading about how inflation is currently eating at it at a rate of 2-3 a year? is this accurate? in any case, i always wanted to save it just in case, but now im wondering if thats actually a bad strategy. ive been thinking lately of investing a small portion of it maybe 10-15k into VTSAX shares. from what i have read, VTSAX seems to be a good choice. but if you have other suggestions for a beginner like me, im all ears.i already have a roth ira with vanguard, so how easy is it to set up a new account with them? and is there anything else i should know that they wont tell me?  <response>: You should develop an investment strategy that meets your goals. What is the goal for the money sitting in a savings account? What are your long term financial goals?VTSAX is good because it is a total stock market fund. But you should not blindly invest. Always have a goal before you invest. What is yours? 