plz1

I saw this movie, and I have no faith we have a real-world Neo to save us from it.

Both are Exchange Traded Funds from Vanguard. VTI is "the whole US stock market, and VOO is “just the S&P 500”.

1. Open a brokerage account, I usually recommend Fidelity as I find them easy to get newcomers onto.
2. Put the money you want to invest in there.
3. Use that money to buy either fund
4. Forget about it for 10 years
5. Now you have your house down payment, probably

Absolutely. Invest it in VTI or VOO, and leave it there (and reinvesting dividends) until you are ready to buy a home in your 30’s.

Or, spend $5K, and invest the rest. You’ll thank yourself later.