<prompt> Human: So, Im pretty new to the FIRE game and have been looking at a lot of blogs, articles, books, etc. I got really excited about the idea of index funds and passive income and opened up an account with Vanguard. But, as Ive kept on reading and researching, it sounds like I opened one up too soon.I am 26, have a very small salary, a 401k that I contribute up to the employer match and a Roth IRA, both of which I cannot max out, a high-yield savings account, and a mutual fund account that is mainly comprised of bonds. I am aiming to have 3 months of expenses in my high-yield savings and 6 months of expenses in my mutual fund account. At the rate of savings Im at now, it would take me almost 2 years to achieve those goals. If I didnt open up my Vanguard account, it would have taken me less than year to achieve them. Looking at the allocation priorities that Ive seen in my research, taxable accounts like my Vanguard account are at the very end of the list and should only be opened or contributed to once you have all your emergency funds, 401k and Roth IRA set up or maxed out. Should I close my Vanguard account and just put that towards those goals? I wont be contributing to that account until my emergency funds are set up anyways, and I dont know if the amount I will get taxed on the dividends would be worth keeping the account open. Thoughts?Assistant: Where do you have your Roth IRA?Where do you have your mutual fund account? Why is it not in an IRA?both of which I cannot max outBecause you dont make enough in taxable income or because you currently have other priorities to fund first?Human: My Roth IRA and mutual fund account are both with Primerica. When opening those accounts, I was told to use the mutual fund account as a sort of savingsemergency fund account. And I cant max them out because I dont make enough money. Im looking for a second part-time job, but even then, I doubt Id be able to max them out.Assistant: I would advise you to move your money far, far away from Primerica.Move the Roth IRA over to Vanguard or Schwab - both are great options.How much is in the mutual fund account? What tax bracket are you in? I imagine if you are in a lower tax bracket, that the long term gains will be taxed at 0 and the short term gains still will have a low tax percentage. It would make sense to move it all.For the taxable brokerage account, how much did you contribute?Human: Uh oh. Whats wrong with Primerica? The mutual fund has about 5k in it. And yeah, Im pretty sure Im at the lowest tax bracket.And I put in 3k into the taxable brokerage account, which was the minimum. I havent contributed anything else.  <response>: Uh oh. Whats wrong with Primerica?Fees 