Hey thanks guys for all your help.
Broken Arrow: I'm just trying my hardest to put things away at the moment you know. It's everything from no pension, no social security benefits by the time I retire, and being stuck in a job are the main reasons why I'm trying to save up as much as I can. Thank you for you complment.
I have put it in a regular account for the target retirment date mutual fund (Not sure what I was thinking when I pulled the trigger since now it just makes sense to put it in a ROTH IRA first). Anyway, live and learn.
Thank you again, I will keep reading this space and hopefully will be able to know enough to help someone out.