<prompt> Human: Hi yall,Forgive me in advance if this is a stupid question, but Im a newbie.I have a Vanguard account setup with a Roth IRA which Ive maxed out for the year and am currently using to invest in some Vanguard ETFs. I have a somewhat substantial amount of money still sitting in the bank which Id like to invest as well.What kind of non-IRA account do I need to open so I can invest it? Can I do it through Vanguard without messing up my IRA account? Would it be free to have this account like my IRA account? I am just being extra careful not to mess anything up with my IRA that would incur fees or taxes or anything to it. I dont want to be the guy who accidentally put more than the maximum allowed in my IRA and then get dinged for it.Thanks yall.  <response>: You need a brokerage account to invest your non-retirement funds. You can open a brokerage account with Vanguard and put your money there and it will be kept separate from your IRA but you will be able to see and manage both accounts when you log into Vanguard. 