<prompt> Human: Im 24, and luckily my living expenses are super low so Im able to put aside 800month for investing. Using Vanguard, I currently put 400month in a Roth IRA 90 stocks, 10 bonds. I put the other 400 in a Vanguard Star mutual fund 63 stocks, 37 bonds that I can access at any time. Ive split them like this because of the thought that I may want to access some of the funds pre-retirement buying a house, etc., thought I dont if this really makes sense. I have six months expenses saved in an emergency fund.What are your thoughts - would I be better served if I started investing more into my Roth IRA, or should I keep things as they are?  <response>: You may find these links helpful:- Retirement Accounts articles on 401k plans, IRAs, and more- How to handle I am a bot, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?torpersonalfinance if you have any questions or concerns. 