<prompt> Human: at 21 years of age, I have put some money into a mutual fund have let it ride for close to 3 years. Being in the military, there are other options like the TSP andor ROTH IRA. Should I be rethinking my strategy and putting money in those rather than the Mutual Fund. Dave Ramsey has got me hooked on this Mutual Fund thing, but as I watch the months go by... There has got to be a smarter way of going about this. As of right now I am not contributing to either the ROTH or the TSP  <response>: Focus on a Roth TSP first. 