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@chinchilla I would put as much money as you can into VOO/VTI at Vanguard until you reach the age where you only get $5200 a month. VOO - S&P 500 VTI - Total market I think Wealth front charges fees. Is there a reason you opened an account with them?

@a83 Why do you assume investing involves luck? When you're young, it involves resolve. Resolve to always buy VOO/VTI even if the market is down or tanking. Resolve to never sell at the all time highs or when it's down. Resolve to only sell near retirement when you're building your US...