(mortgage, rent, car payment, food expense, etc) This emergency fund should be put in something that has no risk to it such as a savings account, money market account or extremely short term CD’s. … I would recommend index mutual funds as the investment within the Roth IRA. If you have accomplished all the things that I’ve outlined and you still have money left, I would recommend splitting up the funds in a well diversified portfolio of mutual funds with index funds as …

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