How to invest with vanguard. Age 39 and just beginning to invest for retirement

After reading countless posts about retirement savings and how important it is to begin as soon as you have the money available, I funded 2019 and 2020 Roth IRA’s yesterday and am ready to invest for retirement. After you read a little bit about me and my goals, please make any suggestions. This board has been highly beneficial in helping me recover from a traumatic divorce and move on financially. So thankyou very much!



Income 115k- employer doesn’t offer retirement plans

Bay Area resident (rent is $2155 for 1 bedroom apt)

Savings for house 100k in HYSA(thanks personal

Emergency fund- $20k also in HYSA

Roth- 12k

SEP- 10k

Debts: student loan of $5500 @5% interest. $124 a month

No car note

No credit card debt

Starting Health Savings Account in April 2020.

I started bank account and credit card churning in December. Already received $800 in rewards cash

I save roughly $3500 a month and according to nerdwallet I need to begin investing $2k a month to reach $2 million by 67. So that’s what I’m going to do, but am in dire need of suggestions of what to invest in. Im not looking to get 15% returns, I am fairly risk averse and would like something I can just throw money at and not look at it for a decade.

Thanks in advance for any suggestions

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