okay, I'm 62 and I have 20,000 to put somewhere. Should I open a Vanguard account and should it be in a Roth IRA, or something else. I will be retiring in 3 years. I don't have a lot of retirement money because I gave my gov't retirement money away twice (when I left the gov't) to my exhusband, wasn't my ex at the time. I will have the TSP (about 80,000 which will only give me approx. $300/month) and social security (about $1100/mo) and my retirement should be approx. $1300/mo). Thanks.