<prompt> Human: Im 25 and have a 10k e fund and recently paid off all my debts above 4. Im also contributing 4 to my 401k and receiving the maximum employer match. My next financial move is to start an IRA for myself. I currently earn 52kyear so it seems that a Roth IRA would be the best choice for me. From what Ive read on this subreddit, Vanguard seems to be the most popular choice and the target rate retirement funds are often recommended. However after visiting the Vanguard site I feel overwhelmed with how many different funds there are and basically just need confirmationinsight on whether or not starting a Vanguard retirement fund is the right move for me or not.  <response>: Yes, Vanguard is a great place to start a retirement fund. Yes, Vanguard Target Date funds are a great place to invest if you dont want to think a whole lot about what you are investing in. Yes, a Roth IRA is probably a good bet whilst you can still do it. On American Idol, three yeses get you to Hollywood Week, so Id take that as a good sign. 