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As others have said, always read the prospectus. Vanguard did nothing wrong here, short term fees are common.

I have saved 46.20% of my YTD gross income. That includes 401k, Roth and taxable accounts.

$0 for health insurance and $0 deductible. $10 copay for doctor visits and prescriptions. $50 copay for emergency room visits.

I have been 100% S&P 500 index with my 401k the last few years.  I felt like I needed to diversify a little bit, even though I was fine with S&P.  My age is 33 and I have about $50,000 in 401k so far.  I am now contributing 20% of my income to it which gets me almost to $14000/yr. Here's how I...