VTI
Vanguard Morningstar Total Stock Market ETF
stock NYSE ETF

I also use Fidelity!
I actually keep several accounts there. 401k, Roth IRA and then I have several brokerages to keep accounts for various savings buckets and use SGOV for my "HYSA" and drip into VTI
Idk if OP lives in a high tax state but I do, so SGOV it is.

100% unless your rate is below inflation, paying that off is 1000000% the right thing to do. Then that monthly you would be spending, can go right into VOO/VTI

I use Fidelity. It is very user friendly.
I buy VTI and VXUS weekly (VTI+VXUS=VT if you do so in the same weight).

Bogleheads I believe has a good breakdown of where your money should go in the flowchart (check their wiki and personalfinance wiki) and how much of an emergency fund you should have but it's pretty much:
Emergency fund of 3-6 months of expenses. Pay down all high debt.
401k to match
Roth IRA to max
HSA to max (only if you have a HDHP plan. This might not apply to you but if you have access to HSA, max that baby out bc it's triple tax advantaged)
401k to max
Then taxable brokerage.
Keep it simple for all your investments and aim to own the world. VTI/VXUS or equivalents with lowest expense ratio.
You can open your accounts at any of the big 3. Fidelity, Schwab or Vanguard
You want to use tax advantaged accounts first bc there are ways to get that money earlier than you think if necessary but also if your goal is to FIRE, getting that money in now is the move to let that sweet sweet compound interest do its thing.

Tbh a FA is very rarely necessary and you can do most of this yourself
Check out Bogleheads and keep things simple.
VT or VTI/VXUS (which is VT but broken into US and International and you can control the split. Market weight is 63/37 which is what VT roughly is. You can go anywhere from 60/40 to 90/10)

What data makes you think you’ve had “pretty good success”? This should inform how much you allocate to your own alpha strategy vs. just owning the index (beta). Hard to beat VT (VTI+VXUS) for equities.

It would be easier to buy SPY, VTI, or VOO, than to pick just the right non-tech stocks

Not recently, for decades, just like VT and all the others. But also, it cost OP exactly $0. I understand this is a boglehead sub, but these aren’t OP’s retirement funds. It’s a gift that he can be as aggressive that he wants with.
And by your argument, VT, VTI, and VOO have done well for decades, so continuing to invest in them must be a straightforwardly terrible argument. It’s also true that people who add needless complex adverbs to weak arguments are generally unlikable pedants who think they’re smarter than everyone else because they know big words.

Cash out 150k and buy VTI, pay taxes, and stop gambling

Start simple with VT or VTI+VXUS.
Once you learn more, you can tweak to your liking

Didn’t mention a mortgage. I like the VTI or VT in the brokerage to reduce tax effects of turnover. Congratulations

What happens if you lose your job or house needs major repairs in a down market and you blow through that $20k? Do you pay back the line of credit selling your VTI at a loss?

Taxable account. VT. Or VTI if you just want US stocks. Then proceed to chill.

I have about $20k in our checking account, a $17k persona line of credit at our credit union, credit cards with high available credit, and plenty in taxable that I can liquidate if I need to. Bottom line is access to money is not a concern if there was an emergency.
I've always run lean and kept my money in VTI rather than cash.

Stop. Just go long VTI

>would it be advisable to split into different stocks or. Just keep. It in 1
You should avoid individual stocks.
You can definitely put £200 in a single index fund. A single index fund represents a diverse investment, because it is like buying 100s of stocks with one purchase. For that reason, beginner investors can buy just a single index fund and that can be a good diverse investment for them -- far better than picking and choosing individual stocks, let alone crypto.
You didn't say you lived in the UK. For UK investors, VOO, VTI and VT might not be the best route, due to specific UK laws that block many US-based funds.
Instead, you should look at the following UK or Irish-domiciled funds:
**VWRP** (which is like buying small amounts of stock in 4000 different companies worldwide) or **VUAG** (which is based in the UK but is like buying small amounts of stock in the 500 biggest American companies)
Investing in any of those 4 funds would give you a broad diverse investment.

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.

What do you think about holding VOO and VTI for the long term?

It was an at close order, and obviously institutional, my guess is etf.
Probably INH, VTI, VBR OR VXF.
Blackrock holds 35.9million shares and vanguard has 18.2million.
If it was a sell, be thankful it was dark.

I’m not feeling this pullback is severe enough to jump in with further investment. Also, I’m not selling anything in anticipation of a 30% market crash. My SGOV holdings generate approximately 4k every dividend and I do roll all dividends into SPMO & GARP. If the market would crash I would shift SGOV to VTI.