<prompt> Human: I really just wanted to post this to say, thank you for showing me the light!I have been putting money into an American Funds Roth for 5 yearsage 21 at the time and thought I was doing great...until reading this subreddit. My expense ratios for the roth are 1.56 and 1.62. I was just about to max out my contributions too, but now I will wait till it gets transferred to Vanguard.I thought I wasnt getting screwed because the financial adviser is a distant family friend and actually bought a part of my parents business a long time ago.So, thank you!  <response>: You were doing great! Putting money in a Roth is a great thing to do, especially starting when you did at 21, and its awesome that you were doing that for the last 5 years. Plenty of people dont do it at all. Dont be down on yourself for not knowing all the ins and outs, you got the big picture right.But now youll be doing even better! Keep up the good work and keep improving. 