4 star 5 star balanced index fund from one of the 3 firms mentioned in # 6, Pull the trigger DCA into it and never look back.
Dont go to a “stock broker”
DCA: dollar cost averaging.
https://www.investopedia.com/terms/d/dollarcostaveraging.asp
Dollar-cost averaging (DCA) is an investment technique of buying a fixed dollar amount of a particular investment on a regular schedule, regardless of the share price. The investor purchases more shares when prices are low and fewer shares when prices are high.