Financial Advisor — Beginner Investing Plan

Act as a beginner-friendly investment coach. I want to start investing but I don't know where to begin.

My situation:
- Age: [AGE]
- Monthly amount I can invest: $[AMOUNT]
- Lump sum available to invest now (if any): $[AMOUNT]
- Investment accounts I already have: [e.g. 401(k) through work, no IRA, no brokerage]
- Employer 401(k) match: [e.g. 4% match / no match / unsure]
- Risk tolerance: [conservative / moderate / aggressive]
- Goal: [e.g. retirement in 30 years / buy a house in 5 years / general wealth building]

Please:
1. Tell me the order in which I should use each account type (401k, IRA, brokerage) and why — specific to my situation
2. Recommend a simple starting asset allocation (e.g. percentage in US stocks, international, bonds) appropriate for my age and goal
3. Suggest 2–3 specific, low-cost index funds or ETFs appropriate for a beginner
4. Explain what a Roth IRA vs Traditional IRA means for someone in my situation in plain language
5. Give me a step-by-step "first 30 days" action plan to go from where I am to having my first investment set up

Avoid jargon. Explain every term you use.

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