conversation: User (temporary2018): "Hi Pf, I decided to open a roth IRA (maxed 2017 only) about 5 minutes ago but I'm confused on how to actually purchase the Target Retirement fund. \n\nAm I supposed to wait until the money is in my federal money market fund (says balance $0) and then use that money to pay? Or do I click the "add new mutual fund" and then select the target retirement fund and buy for the amount of $5,500?\n\nI've never traded or bought any stocks in my life before so I don't want to mess something up and end up in a ditch..\n\nAny help is appreciated thank you."
  Self: "Look for the amount labeled "funds available to trade" – that is what you can use to buy shares of your desired target date fund. If it says $0 then you may have to wait a few days. In any case, whenever you go to purchase shares of the target date fund, it will ask "where's the money coming from" – in this situation where your money is sitting in the settlement fund, you'd choose that as the funding source. In the future, you don't have to contribute to the settlement fund first. You can just choose your external linked bank account as the funding source for your purchase."
  User (temporary2018): "Oh then I seem to have 5,500 available already. Thank you for the tip!"
  