re: What's a "normal" amount of money for a late 20s person to have in savings?

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The closest Schwab to me is about 40 minutes away. Would setting this up for the first time be something I can do over the phone with someone? Again, I know I can probably do it online but I'm sure I'll have a bunch of questions and would like to speak to a person while I do it.

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Yes, you can do it online, in fact that's what I did. I haven't visited a Schwab branch in years.

I understand that they have consultations available online but have no idea how it works, basically all I can tell you here is that their customer service is always ranked very highly in the industry and my experience has been consistent with that.

If you want to chat with someone, it's probably worth the 40 minutes IMHO.