I know a bit.

I just choose one of the targeted retirement date funds and contribute as much as I can up to the company match. Just do that now. Can learn more and change things later. Then dump as much income as I can to a Roth IRA because you can take out what you put in without penalty. I lost job and was able to just start pulling from it like a savings account and when got job again was able to put some back within certain time frame. Again only the amount I put in, (not any earnings taken out)

Be prepared for replies from financial advisors saying “pick me”. Don’t pick them.

If you have over 10-15 years until you retire choose the most aggressive fund available

Choose 10% of your pre tax paycheck to start .Choose whichever is closest to a passively managed index fund. You can educate yourself by researching and update all your choices in 3 months.

Pay at least enough to get maximum company match (more if you can afford it). If there is an option to invest in an s&p500 index fund, pick that one.

the cheapest expense ratio on a broad market fund

1st Put in at least up to what your employer will match if you can afford to. If nothing else, you give yourself a pay raise 2nd Most plans offer packages based on your age and/or years till retirement. These investment providers (such as VOYA, Vanguard etc) manage these plans for you. 3rd Let it go n watch it grow. Don’t be tempted to make changes based on market fluctuations and/or what that really smart friend at work said.

@hello__nectarine is a good source for a financial advisor that you can book by the hour without buying any products

Pick an investment with a low expense ratio and a long term track record of 10% or more per year