I know a little bit about this stuff. (4th year finance student, previous IFIC license holder)
What you need to do is talk to a professional about this stuff. As well meaning as the advice you're getting is, you should talk to someone with some real expertise. Find out from some friends or family members if they have an advisor they would recommend.
Hopefully find someone with a Bachelor's degree and a CFP designation, they should hopefully have some idea of what they are talking about.
~bug
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"Teach a man to reason, and he'll think for a lifetime"
~P^2
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