Here's my advice there, but in ultra short form. You need to invest something, even if you don't understand it, bit invest with amounts of money that correlate to your understanding. Right now, put 20 or 50 dollars a week into a fund and forget about it. Don't even look at it. For diversity sake, do the same with crypto. Put 20 or 50 dollars a week into it and forget it.

Now, the caveat is simply this point in time... GME is about to destroy the market, so if I were you, don't do anything yet, except for crypto. Put something into crypto now, because once the major sell-off happens with crypto when the stock market crashes and people need liquid (spendable) money, the price of crypto will drop, then skyrocket when people realize this whole Federal Reserve thing was a scam. You'll make out. I'll help you out however I can, just PM me.