I keep 6 months of expenses in cash at all times. After that I’m investing for the long term, in two ETFs via Interactive Brokers. 80% in a total market index

I keep 6 months of expenses in cash at all times. After that I’m investing for the long term, in two ETFs via Interactive Brokers. 80% in a total market index 20% in a global bond index You might also be interested in a Target Date Fund. The 6 months expenses allows me to leave my long term investments alone, without worrying about what’s happening to the market in the short term. As far as advice goes, /u/actuators comment elsewhere in this thread is great. I also enjoyed reading Bogle’s Little Book of Common Sense Investing