conversation: User (Malamala46): "Information about me:\n23 years old and I make $38,000.00 pre-tax a year with no debt and $9,000.00 in a emergency fund.\nI currently have $16,500.00 invested in my Vanguard Roth IRA (Not including growth)\nThe breakdown of my Vanguard account is:\n$11,000.00 in VTSAX (Total Stock Market Index Fund)\n$5,500.00 in VGTSX (Total International Stock Index Fund)\n\nNow my question is, what do I do next? \nShould I invest another $4,500.00 into VGTSX to make them admiral shares to take advantage of the lower expense ratio and put the rest into VTSAX? Or should I invest another $5,500.00 into VTSAX or a completely different fund?\n\nAny advise is appreciated!"
  Self: "You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. ([See Reddit's page on commenting for more information.](http://www.reddit.com/wiki/commenting))\n\nI have attempted to automatically reformat your text with fixed line breaks.\n\n----\n\n&gt; Information about me:  \n&gt; 23 years old  \n&gt; I make $38,000.00 pre-tax a year  \n&gt; No debt  \n&gt; $9,000.00 in a emergency fund  \n&gt; Currently have $16,500.00 invested in my Vanguard Roth IRA (Not including growth)  \n&gt; The breakdown of my Vanguard account is:  \n&gt; $11,000.00 in VTSAX (Total Stock Market Index Fund)  \n&gt; $5,500.00 in VGTSX (Total International Stock Index Fund)\n&gt;   \n&gt; Now my question is, what do I do next?   \n&gt; Should I invest another $4,500.00 into VGTSX to make them admiral shares to take advantage of the lower expense ratio and put the rest into VTSAX? Or should I invest another $5,500.00 into VTSAX or a completely different fund?  \n&gt;   \n&gt; Any advise is appreciated!  \n&gt;\n\n----\n\n^(I am a bot. Contact) ^[pentium4borg](https://www.reddit.com/user/pentium4borg) ^(with any feedback.)"
  