<prompt> Human: Ive been doing all this research on which funds or stocks to invest, how to make a balanced portfolio, all this... but I must be missing something dumb because I cant figure out how to actually DO that!Im planning on opening and contributing my 5500 to a Roth IRA as well, but I would also like to have just a plain old investment account. Basically I want to save and have my savings grow, but still be able to access the money any time. How do I do this?? Any advice or links appreciated!  <response>: Open a brokerage account Vanguard, TD, Schwab, Fidelity, whatever. Put money in through ACH transfer. Purchase fundsstocketc with that money. 