Oh well I meant the worst part of individual stocks. I rather like the idea of ETFs and my retirement account has done pretty okay with it.

I lean vanguard because IIRC they tend to do more conservative moves and performance generally matches the more wild moves, and also lets me set and forget. I can look into the other brokerage companies.

I guess my optimal goal would be to put money into an investment account over a savings account so it doesn't just sit there and rot.

I end up start researching it and get overwhelmed and never make a move to anything in particular.