I'm thirty two, I don't have much to my name & haven't been responsible at all with money. I know investing is a deep skill set that people spend a lot of time and effort cultivating so I want to emphasize that I'm not asking for a stranger to give me free advice with little to no effort on my part. I'm just asking for advice on what you think someone like myself should do as a first step, so I can find my second, third, etc. and begin to find momentum in something that has always seemed too intimidating to consider. Thank you for your time and thoughts, and happy new years.