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I was curious what is the best why to invest money into a emergency fund...Do you think that money market would be the best place to stash a couple thousand just in case? Or would it be better to invest that money if a couple of strong stocks and let it grow and take it out when you need it?

Also, being 20, in college, and I do not have kids of my own (at least for 5 more years or so) what would be the best way to go about an IRA?

Okay I just remembered one more question from my dad...is now a bad time to invest in lets say the vanguard 500 fund because the market is low? I feel that it could be a great time because prices are a bit lower???

I just so many great responses last time I posted a question that I thought I would try it again! Thanks for all the time you guys put into responding!
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