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Let’s say you’ve got $1,000 sitting in your bank account and you're tired of it doing… absolutely nothing.

Here’s how I’d invest it right now — especially if you're just starting out.

🛡️ Step 1: Build Your Foundation

Before investing, I’d make sure I’ve got:

• A mini emergency fund (1–2 months of expenses)
• No high-interest debt
• Any employer 401(k) match maxed out

💼 Step 2: Go Big on Index Funds

I’d start with ETFs like:

• VOO or VTI (broad market)
• SCHD (for dividends)

I’d buy them using M1 Finance or Public.com — platforms I trust and can share affiliate links for.

🧠 Step 3: Want Hands-Off? Use a Robo

Don’t want to deal with rebalancing and strategy? Use Betterment or Wealthfront. They build and manage your portfolio for you — simple.