conversation: User (Estivest): "I already have an emergency fund set up and the only debt I have is my wifes student loans. (I am living with family for now so I do not pay rent or a mortgage) I am in the military and make a decent amount of money and would like to invest into a Roth IRA. Who should I use? I heard USAA and Vanguard were good but there are so many funds to choose from. How do I know which one to pick? I don't want to mess this up. Thanks!"
  Self: "I'm a fan of the [three fund portfolio](http://www.bogleheads.org/wiki/Three-fund_portfolio). But depending on how much money you have to start out you might just want to stick with a target retirement fund at Vanguard."
  