<prompt> Human: Hello all,I am 22 years old, and would like to begin responsibly investing for my future retirement. I am currently about to graduate from University, and am studying abroad in Denmark. I have around 6000 dollars in my bank account, and recieve 300 dollars a month from my aunt which I would ideally like to use as a reoccuring investment. I have 2500 in a savings account for emergenciesa few months rent. My inclination is to contribute to Vanguards Target 2050 fund, but I am not currently employed since I am studying abroad. I will begin looking for positions in November, so the deal is that I dont have an employer info so I cant open an account with Vanguard. I do have a TD Ameritrade accoun, however, and was thinking about contributing to this mutual fund through TD Ameritrade instead. What are your thoughts about the proscons of doing this, and please let me know if you have any other advicealternatives.In sum I have 4000 dollars to get started with2500 in savings for emergency, receive 300 dollars a week currently, and move back end of January and will ideally have a job lined up.Thanks so much!  <response>: Nope, skip the fees and risks of middlemen and invest directly with Vanguard. 