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Just started a Roth Ira with Vanguard. I put in 150 month, just started in January. I have contributed 1600 so far, but I have earned almost 90 that the fund has generated, Which completely shits over anything a savings account will do. You should only put in 3 months pay or not much more than 10000 dollars into savings. It is meant to be liquid assets to be used in a pinch with little to no penalty, not something you rely on for retirement.
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