QQQM
Invesco NASDAQ 100 ETF
stock NASDAQ ETF

Also, you might be asking WHAT to invest in. I set up an UTMA for my 0 years old grandson and invested in QQQM since he has a long time horizon. I have added to it at year 1 and 2.

Look into broad index funds like VOO which is the SP500, QQQM is the Nasdaq (tech), VTI is basically every stock in the US and VT is 63% US 37% International. VT is the most diversified but the others may have more growth. A portfolio like 60% VTI 20% QQQM 20% VXUS is a good mix for a young investor. You get the entire US market with a tech tilt and 20% international (VXUS) which helps diversify it.

If you’re looking for a pure set‑and‑forget, VT is solid. History literally shows it trades at the market‑cap average; higher risk pieces like QQQM or AVGE may hit 20‑plus but only when you’re willing to stomach more volatility. So it’s a trade‑off, not a deal‑breaker.

For a 5-7 year horizon with a set-and-forget mindset, VOO is already the right answer. If you want slightly different exposure, VTI adds small caps, or QQQM tilts toward tech, but neither meaningfully improves on VOO for your goal. What's pushing you away from it?

I have 50% SPMO and 50% QQQM in my brokerage. I’ve been contributing to my Roth IRA (100% VTI) but I wanted to start using my brokerage because obviously time is $$. Is that too much overlap? I just started yesterday and that won’t be my only stocks on my taxed account

Why not but QQQ or QQQM and bitcoin - you’ll be more diversified and have less fees than buying the stocks individually

Also, you might be asking WHAT to invest in. I set up an UTMA for my 0 years old grandson and invested in QQQM since he has a long time horizon. I have added to it at year 1 and 2.

Look into broad index funds like VOO which is the SP500, QQQM is the Nasdaq (tech), VTI is basically every stock in the US and VT is 63% US 37% International. VT is the most diversified but the others may have more growth. A portfolio like 60% VTI 20% QQQM 20% VXUS is a good mix for a young investor. You get the entire US market with a tech tilt and 20% international (VXUS) which helps diversify it.

If you’re looking for a pure set‑and‑forget, VT is solid. History literally shows it trades at the market‑cap average; higher risk pieces like QQQM or AVGE may hit 20‑plus but only when you’re willing to stomach more volatility. So it’s a trade‑off, not a deal‑breaker.

For a 5-7 year horizon with a set-and-forget mindset, VOO is already the right answer. If you want slightly different exposure, VTI adds small caps, or QQQM tilts toward tech, but neither meaningfully improves on VOO for your goal. What's pushing you away from it?

I have 50% SPMO and 50% QQQM in my brokerage. I’ve been contributing to my Roth IRA (100% VTI) but I wanted to start using my brokerage because obviously time is $$. Is that too much overlap? I just started yesterday and that won’t be my only stocks on my taxed account

Why not but QQQ or QQQM and bitcoin - you’ll be more diversified and have less fees than buying the stocks individually

since it’s an IRA move it’s tax‑neutral, so you can keep both or choose one; VTI gives total‑market breadth, SWPPX tracks the S&P. at 32 you can afford a bit of overlap. if you want the simplest setup, roll everything into Schwab and just hold VTI, ditch SWPPX. if you prefer the Schwab ETF texture and want to maintain dollar‑based investing, sell VTI and use proceeds to bump SWPPX to the amount of S&P you want, maybe add a small‑cap or a growth play like QQQM for extra upside. either way pick the allocation that matches your risk horizon and stop worrying about tiny expense‑ratio differences.

QQQM

Since you are lost, you might want to look into dumping that $170K into an ETF, such as: SPMO, QQQM, VUG, SCHG, etc. Then you can take your time in learning how to analyze individual stocks (if you so choose).
I would wait to buy a house. Just find a cheap place to live that is safe. Dump your money into investing and don't worry yourself with all the costs of owning (Property taxes, Insurance, repairs, maintenance, etc.). Give yourself a goal to double that $170K in 7 to 10 years, then look into buying a house.
If you do buy a house, then do so with the idea that you will rent out the other rooms. This is known as "House Hacking." Back in 2001, I bought a 3/2 1900 SF house (I was renting 1 of the rooms). My mortgage payment was $834/mo. I rented the other 2 rooms at $350 each. You could easily command $800 - $1000 per room in a house today. Imagine doing this for 7-10 years while you build your investment portfolio. If you decide to move, then you can rent the 3rd room for more income.
As long as you truly research your options, then whatever choice you make will be the correct one.
Wishing you all the best!

Core of VOO, but tilt to momentum and tech: SPMO, XMMO, VGT, IDMO, AVUV, AVDV, QQQM, SOXQ, AVEM. This diversifies & crushes VOO. That is if history continues, which is never a sure thing, but it's been beating the market for me.

Content promoting investment strategies that are antithetical to Boglehead investing is not appropriate.
Selecting your equity investments based on the listing stock exchange, as QQQ/QQQM do isn’t just stock-picking, it’s a particularly nonsensical version of it.

QQQM is an easy answer. SMH if you believe AI will continue to be a major theme (I think it will).

I’ve been buying some VOO and QQQM to get more tech exposure.

yeah go ahead fully abandon PSE.
QQQM for the tech related ETF. this covers the NASDAQ index which is very tech heavy. to lessen your risk do dollar cost averaging. id be more aggressive on the tech side since you are still young, you have time to recover when market pulls back. just dont be too emotional when your portfolio turns red, it will recover just need to be patient (not applicable in PSE).
another elite strategy is watching the news/social media for whatever trump or pelosis gonna pick. but if you just want to be passive, VOO/QQQM or any MAG7 stock is already good to focus on (minus TSLA)