Do people have a recommended lotion that they swear by when it comes to their entire body peeling due to excessive sun while on a cruise exploring the Mexican waters on the west side? My camera doesn’t do the flaking justice.
I'm 50. My annual gross income is roughly $200k and I live in an area where the average house is $300k. I have 100% equity in my house which is valued at about $385k (and growing as I renovate and expand the house). I have zero debt aside from monthly credit expenses. Both my vehicles I have 100% paid for (one is a 2022 and the other is a 2025). I currently have various stocks worth $350k with included 105% unrealized gain. I also have $325k in various HYSAs and a loan to a friend for roughly $175k at 4% APR for another 13 years where he pays on time monthly. When my mother passes away, I will inherit at least $1M.
I have never used a financial planner.
I do not even have a goal. I typically spend less than 20% of my monthly income monthly. The inflow is starting to get overwhelming.
What DIY investing do people suggest in the modern era without paying a third party?