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Breeze ..

You've been getting some good advice, Get that emergency fund set up and 5 years is too short a time horizon for the market. Beyond that, whatever financial goals you wnat to achieve: to make money reliably read:

The Only Investment Guide You'll Ever Need (Expanded and Updated Throughout) by Andrew Tobias

It's simple, funny susinct and will help you quickly and in a way that will not overwhelm.

then read

The Only Guide to a Winning Investment Strategy You'll Ever Need : Index Mutual Funds and Beyond - The Way Smart Money Invests Today
by Larry E. Swedroe

Bottom line: dollar cost averaging into a balanced portfolio of PASSIVELY managed low expense mutual funds (as you are finding out, vanguard is a a very wise alternative)


Keep us posted!

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