The boring money plan that quietly wins
Automate the dull parts and stop watching the news.
Most personal-finance advice is entertainment dressed as strategy. The plan that actually works is too dull to make a good headline: spend less than you earn, automate the difference, and leave it alone.
The daily market news exists to be watched, not acted upon. Every time you react to it, you pay a small tax in fees and worse decisions.
Set the transfers, pick something broad and cheap, and go do literally anything else. The boredom is the strategy.