Not a robo-advisor, which will tend to put you in a complex mix of investments that churn and throw off taxable distributions.

A brokerage account money market fund is a fine place to hold an emergency fund. Otherwise, a broad market stock index ETF is usually the best choice for long term investing.

In my experience holding individual stocks often results in me "messing with" my investments too much, usually to my detriment.

Follow the flowchart.

My generic advice:

https://i.imgur.com/lSoUQr2.png

Here is the flowchart from the r/personalfinance subreddit’s Prime Directive. If you follow that, you will be ahead of almost all of your peers.

Stop by the sidebar to see the Common Topics, which include basic money handling and investing.

You don’t need to talk to anyone or buy some random book to do this. You have all the tools right here.

You may find these links helpful:

• 401(k) Fund Selection Guide
• 401(k) FAQs
• "How to handle $"

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Could I ask what you do for a living? >_>

Have you thought about a Health Savings Account or crowdfunding?

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