Hey congrats and that's great! Appreciate your perspective and your perspective on how everyone wants to take your money. It's not the same thing, but there's an old essay from the 1920s or so - I can't find it - perhaps someone else can. It talks as advice to a young man about how everyone wants to separate you from your money.

S&P500 fund is not a bad idea, maybe a 3-fund portfolio for me.

Agree on invest early. I moved everything to cash 3 years ago, sadly.