Another beginning investor advice request post..
Here goes. I am 23 years old. I have a good salary job where I make just under 85k gross. I am putting in 8% into a Roth retirement at work with a 1% annual increase whenever I get a raise, and my employer matches up to 6% for a pre-tax. So I am putting in my minimum to meet their match. However, I want to try to start investing now so I have more money to work with when I am possibly in my 40s or even earlier would be great.
I have a house with a mortgage payment+insurance of $1,775 a month, which I know is far from ideal, and I have a car payment, but otherwise my money is just going towards utilities, subscriptions, service plans(phone/internet), day to day stuff, and savings. I have about $4,500 saved up as an emergency fund for my mortgage but I know I should probably get at least another mortgage payment in there for 3 months of emergency payment. I have another $2,500 sitting in another savings account as just another backup separate from my mortgage, and I have no credit card debt to pay off but student loans will be coming soon (nothing crazy, associate's degree from a community college, but I do not know the exact monthly yet.)
I also just had a daughter, who I opened up a 529 account yesterday for. I put in $50 and have biweekly $25 deposit into it but I might raise it to $75/biweekly or $75/monthly. That is a managed plan and I am not interested in trying to manage that outside of what Fidelity has already set for it.
As to what I have invested SO FAR, I have bought $115 each of VOO and QQQ. I also bought $110 of SCHD, or 3.468 shares. I bought these because I know they are ETFs and I also know that I am not really knowledgeable of any company to really buy individual stock. I have a biweekly recurring investment of $30 for VOO, $20 for QQQ, and $15 for SCHD. But truthfully, I have no clue what I am doing whatsoever. I am seeing a lot of people say that if you are not too knowledgeable to just put it all into VT or VTI, but I did not do that. I am willing to maybe invest a little bit more biweekly, but I did not want to sink too much into this if I was doing it 'wrong.'
I really just need someone to kind of point me the right way here. Apologies for my total cluelessness. Thank you for any help.