brokerage account and they recommend stuff but they are your age or younger, you should definitely listen with a grain of salt. I lost a good 5 years of income listening to the guy from fidelity. "It's definitely time to invest!"

Yeah, never give anyone the ability to completely manage your brokerage account. Most investment brokers are just gambling addicts that get to spend other people's money. If they are telling you they can get you returns much greater than index funds or a decent ETF.....they aren't telling you of the potential risk.

My advise to younger people is just to take advantage of any tax mitigation like a IRA or 401k, invest in index funds, and most importantly ......don't look at it too much.

People tend to panic when they see a long term investment dip below their original purchasing price, but it's important to realize that losses aren't realized until you sell. The market will fluctuate, but the likelihood of a company recovering at some point in the next 20 years is pretty high. Just be patient and don't buy overspeculated stock.