My son is 21. His grandmother recently passed away and left him him 15K. He used the money and contributed to a Roth IRA for 2013 and 2014. His emergency fund is almost completely funded, although he had to pull from it while looking for work x 3 months. He has his bachelors degree so no college expense. He will eventually start investing in a 401k once he has a career position versus a job. His Roth IRAs are in vanguatd's total stock market index. He has 4k to put in another fund. Suggestions?