conversation: User (jusremward): "As the title states I have 60K in cash and a $10,000 emergency fund. 25 and I’m thinking of putting the 60K in the following: \n\n$12,000 in VBTLX \n\n$9,600 in VXUS (Might bump it up for admiral to VTIAX?) \n\nand finally $38,400 in VTSAX. I think this portfolio covers pretty good ground but I am open to any suggestions you all may have!"
  Self: "First question is: what is your goal for this money. Second, what other accounts do you have 401k? Roth IRA? HSA?"
  User (jusremward): "To get a higher return on average v. a high yield interest account like Ally? I figured I need to have a bigger risk appetite at this age. To answer your second question I also have a maxed IRA and a 401k funded at around 10-12%"
  