Thanks for the info, everybody! Aside from the occcccassional splurge, there aren’t any serious financial discipline problems, and I’m actually interested in learning as much as I can about all this… so I’m leaning towards setting up a vanguard account (or something along those lines) and going from there.
I made an appointment last week with a financial planner that a friend recommended… I think I’ll keep the meeting tomorrow, just to see if it looks like his experience would be a more sensible tool than my exuberance. Will let you know how it goes.