MUSI
American Century Multisector Income ETF
stock NYSE ETF

I’m looking for constructive feedback. No snark please.
40m, just recently started this journey. I have always been paycheck to paycheck and could never make enough to cover my life. I have only had 401ks but now am able to be more active in my rollovers and accts. i am still limited in what i can do but i am doing what i can. My net worth is paltry and kinda sad, but im here doing my best to catch up.
Please review the following and offer sincere constructive criticism. Please dont be a dick just because you can.
Fidelity
Brokerage
FSANX
FXAIX
401k from employer i just left. Will get an automated rollover. Most of my net worth is here
Schwab
Rollover intelligent portfolio, second most nw
RobinHood- where i have a moderate amount of my investment. Im trying to be diverse but not redundant
Stocks etfs
QQQ, SPHQ, IVV, VYM, DIA, GLD, CMDT, IBIT, RWR, NLR, XLF, SPYD, VFH, QTUM, SMH, ITA, JEPI, MUSI, NVDY, MSTY,
AZN, LMT, FCX, HOOD, AUPH, SPCE, RGTI, LPSN
BTC, DOGE, XRP, ETH
ira i just started late last year
VOO, SPMO, VONG, IVV, QUAL, VYM, VEA, VWO, BND, VB
Thank you for your time

I’m looking for constructive feedback. No snark please.
40m, just recently started this journey. I have always been paycheck to paycheck and could never make enough to cover my life. I have only had 401ks but now am able to be more active in my rollovers and accts. i am still limited in what i can do but i am doing what i can. My net worth is paltry and kinda sad, but im here doing my best to catch up.
Please review the following and offer sincere constructive criticism. Please dont be a dick just because you can.
Fidelity
Brokerage
FSANX
FXAIX
401k from employer i just left. Will get an automated rollover. Most of my net worth is here
Schwab
Rollover intelligent portfolio, second most nw
RobinHood- where i have a moderate amount of my investment. Im trying to be diverse but not redundant
Stocks etfs
QQQ, SPHQ, IVV, VYM, DIA, GLD, CMDT, IBIT, RWR, NLR, XLF, SPYD, VFH, QTUM, SMH, ITA, JEPI, MUSI, NVDY, MSTY,
AZN, LMT, FCX, HOOD, AUPH, SPCE, RGTI, LPSN
BTC, DOGE, XRP, ETH
ira i just started late last year
VOO, SPMO, VONG, IVV, QUAL, VYM, VEA, VWO, BND, VB
Thank you for your time