Yeah. Dump your money into betterment or wealthfront or even just a vanguard target date fund. Fees are pretty low. Some will say it's unnecessary and you can

Yeah. Dump your money into betterment or wealthfront or even just a vanguard target date fund. Fees are pretty low. Some will say it's unnecessary and you can avoid those fees if you do X on your own, where X is some form of buying index funds directly. I my experience the anxiety and uncertainty of doing so makes people delay and the loss of returns from not investing at all greatly outweighs the difference in fees (at least in the short term). TL;DR; If you aren't investing at all, robo advisors are great. If you already have a diversified strategy then that's great too. They add value mostly by lowering the knowledge barrier to entry.