<prompt> Human: Hi all, two questions about Vanguard:1. Ive been depositing 50-100 monthly in a Roth IRA there for about 6 months now. Im not even close to 3k minimum for their funds. What do I do with that money until I hit 3k? 2. Why is their interface so bad? Is there some kind of a guide not made by them that allows to learn how to navigate ? I cant even find where to edit my monthly deposit without having to Google it. The website is awful, the app is awful. Huge turn off and since its hard to navigate Im worried about making a costly error.  <response>: Why not buy shares of an etf instead of a mutual fund? ETFs have no minimums, and are essentially identical to the Admiral Share class of the matching Vanguard mutual fund.You could go with VT for total world stock market diversification. 