I'm almost 38 and had to kind of bootstrap retirement for the last 3-4 years after being very ignorant most of my life.
People's selections of ETFs bogles my mind, usually it is thousands or tens of thousands of dollars, asking Reddit/the Internet for help but have been fed trendy information they don't really know anything about.
This is a PSA to look up the holdings of what you buy.
If you are debating VOO versus SCHD... It is a mater of minutes to download and review a prospetus of companies you will be investing with and the goal associated.
You will be paying fees, a human/institution will be managing it, and equities are always volatile and lose some from where you bought them.
Thank you for listening to my rant. ETFs are a relatively new concoction for retail investing and it best serves a purpose of knowing the reasons you put hard earned money into it. Thank you, and stay the course.