Thanks L.A.S and Nothlit. That was a lot of great information. I picked the 2050 fund because it was easy at the time and lined up with how I wanted to split my money (stocks vs. bonds.) I have my roth, tIRA, and 401k all in the 2050 fund. I'm okay with putting this taxable money into something else, especially since, as you pointed out, that allocation is going to change at some point. It sounds like it's best to have this account be straight stocks.
Nothlit - I was referring to "unrealized gains," from this page on Vanguard
https://investor.vanguard.com/investing/taxes/realized-capital-gains. It's probably just normal and everyone is used to dealing with it, but it sounded like I could put money in and immediately owe money even though I had only held shares for a week.
Now I'm wondering if I should change things around in my 401k, roth, and tIRA. This stresses me out though. I don't want to screw anything up and mistakes can be costly. On the other hand, if I wait, then I'll have more money in the 2050 fund and I will most likely pay more to change everything. Hmm, more thinking to do.