

Not an American, but basically decide how much risk you want to take on - then depending on that answer set aside money (0-40%) for safe investments - things like bonds (guaranteed returns) or potentially gold (lower volatility). The rest goes into a 80/20 (or 60/40, or 90/10, no one can say what’s best) split between domestic and international index funds. Things like the S&P500, Dow, and US whole market index, and then some into EU, Asia/Oceana, and emerging market index funds.
It absolutely improves with practice, and once you have settled on an aesthetic you like you can simply reuse the code, e.g. store all your color/line properties in a variable and just update each figure with that variable
My thesis had something like 30 figures, and at multiple points I had to do things like “put these all on a log scale instead” or “whoops, data on row 143,827 looks like it was transcribed wrong, need to fix it”
While setting everything up in ggplot took a couple hours, making those changes to 30 figures in ggplot took seconds, whereas it would have taken a monumental amount of time to do manually in excel