You’ve got some good recommendations here. To them, I’ll add: don’t procrastinate endlessly. Find a plan that seems reasonable and start now . If you want to keep learning, feel free, but I’d set a date no later than Jan 31, 2022 to have made your first investment according to the plan.
But what if the next years will be different from the past years? What if we are reaching a point where the system breaks for good? My procrastinator brain likes to put some existential dread out there. Can I just answer it with "if it will break we will be fucked anyway"?
To that end, I think most people want a “get rich slowly” strategy where, rather than gamble on the next Dogecoin, you buy broad-based indexes (or other mutual fund make ups) regularly and sustained over a long period. “Time in the market beats timing the market.”
If that’s not enough, read up on the worst market timer: https://awealthofcommonsense.com/2014/02/worlds-worst-market...
There’s no guarantee that we’ll continue to see low double-digit gains. I’m personally modeling my retirement on a 5% real return CAGR (close to half of the historical, long-run average) and any actual returns over that mean that I will work longer than I strictly had to and become a head-start to my kids.