Thanks in advance for any guidance! I am 52 years old and hoping to understand if there is something I can do to help me “catch up” since I just started with a vanguard roth IRA about 3 years ago which I do max out. I have a 9 month emergency fund saved and another 10000 in a savings account which I would like to invest for retirement. I can also invest about $500 a month moving forward for non-Roth IRA accounts. I know you recommend index funds and also dividends but which is the best for my late in life situation?