Tabs is mentally ill.
He is a homeless divorced man who called for the end of the world since Truman.
He shorted the market 30 years ago and went broke and has ZERO assets.
He is basically the UnaBomber, without the education.
1) Ignore Tabs.
2) Open Vanguard account
3) Stick it all into the correct fund for your age
4) Drink beer
https://investor.vanguard.com/mutual-funds/target-retirement/#/