“I'm based in Europe if that matters.” I would argue that matters a lot. Taxes and fees play an outsized role in financial success. You are asking this in an A

“I'm based in Europe if that matters.” I would argue that matters a lot. Taxes and fees play an outsized role in financial success. You are asking this in an American centric forum but with lots of international members. The advice you get will be heavily skewed. 1. Read a lot. Especially books etc for your country. 2. Develop your own thesis. What do you believe to be true. How much money are you willing to put away each pay period? What do you want to save for. What is your risk tolerance? Only you can answer these questions. 3. Do something based on #2. You can adjust your thesis over time. 4. Pay for advice when necessary. Accountants and lawyers but be leary of investment professionals. Read what Warren Buffet says about helpers.