Hey we all start somewhere! 3 years ago I was googling what a bond is. KB layed it out pretty well, glamor stocks tend to be insanely overvalued. Even if you believe in (Activision)Blizzard long term, all of the known data is already factored into the price, it's really hard to make money on them. You're right about index funds vs managed funds. The former passively tracks a market, which means it's very low fee. Active funds are managed by someone on wall street, which means that someone is going to take a cut. It raises fees and (in my opinion) risk. KBs investment philosophy is very different from mine. If you want a very beginner friendly book and to learn more about my investing style I highly recommend "the bogleheads guide to investing". No previous knowledge required. The information is available for free on the bogleheads wiki but the book lays it out pretty well for beginners. Don't get overwhelmed! KB hit you with a ton of information and I'm adding even more. Finance is tricky, but the sooner you learn this stuff the better off you'll be long term. I do twice a year check ins, and I try to learn a bit more and do things a little better each time. Don't worry about getting everything figured out right away.