SEM
SELECT MEDICAL HOLDINGS CORP
stock NYSE

Starting at 37 is actually perfect timing, you still have 25-28 years of compounding.
Since you mentioned most money goes to kids, look at this order:
1. Emergency fund (1 month expenses)
2. Roth IRA - even $50/month in VTI is huge over 25 years
3. Don't try to pick stocks yet
The most important thing right now is understanding why the market feels so scary - bond yields just hit 5.5% for the first time since 2004. I just did a breakdown of what this means for beginners and why holding cash is actually losing right now: [SEM VLOŽ LINK NA TVOJE LONG VIDEO]
You got this. The fact you started is already 90% of the work.

Starting at 37 is actually perfect timing, you still have 25-28 years of compounding.
Since you mentioned most money goes to kids, look at this order:
1. Emergency fund (1 month expenses)
2. Roth IRA - even $50/month in VTI is huge over 25 years
3. Don't try to pick stocks yet
The most important thing right now is understanding why the market feels so scary - bond yields just hit 5.5% for the first time since 2004. I just did a breakdown of what this means for beginners and why holding cash is actually losing right now: [SEM VLOŽ LINK NA TVOJE LONG VIDEO]
You got this. The fact you started is already 90% of the work.