Well, investing in a target date fund is, in fact, a good way to be on a set it and forget it glide path and can help take the intimidation factor out of investing in the Roth IRA. I meant though, set up your Roth to automatically move money from your savings account to your mutual fund (for example, the target date retirement fund previously mentioned) every payday or month to keep that tax exempt growth going to set you up for the future.

If you can figure out what you're saving this money for, you can find a place for it and keep it going. Take a look at the subreddit's prime directive. After that, there's nothing wrong with enjoying the fruits of your labor either though.