Hep,Congratulations!It sounds like you have a good plan and will do fine. A few minor comments that might be worth what you pay for them: $0.I have accounts at Ameritrade and Scottrade. Either of them or Etrade is a great choice. I think Scottrade is a little better because it has no transaction fees on mutual funds (including the index funds you're considering).Vanguard index funds are great, but they charge an extra $10/year fee if you have less than $10,000 in the fund. If you think it will be a while until you get beyond that, you might want pick just just one fund to start out with.I'd second the recommendation of any of the following: S&P 500 index fund (the standard),TSM - Total Stock Market (almost the same as the 500, but a little more diversification), or a targeted retirement fund (even more diversification).If you're interested in learning more about asset allocation, there are many great books. See http://boards.fool.com/Message.asp?mid=21665962&sort=whole if you're interested. After reading some of these books, you may want to change your allocation a little based on your specific risk tolerances (the market, and market funds like the S&P 500 are skewed towards large cap growth stocks). Some slice & dice between asset types, and some don't. There are plenty of index funds you can use to do that, if you decide to. But don't let thinking about this get in your way of starting now.BTW, I'm 25, married 5 years :) -Joe
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