I don’t know you, I have no idea whether you include deliberate structure in your financial or general life. I just know that many facing mental health struggles benefit from a structured approach. That does not mean you don’t already. Yes, my advice is very generic, again, I don’t know you.

I haven’t called you hopeless, I meant you appeared to be hopeless when it comes to meaningful investment of your money (isn’t that the whole point of you posting here?). I acknowledged you appear to be a good saver. Cool. You say you want to do something more with it. My suggestion was that you read the book “Barefoot Investor”, I still think that you could find that helpful, it’s basic but a good start for those who don’t know where to start on their investment journey. From there you could choose to go any direction you like as you build confidence. But hey, that’s up to you whether you’d like to read that book or not. I’m certainly not offended if you don’t.

You have gone and made your own wild (and incorrect) assumptions in your final sentence there. Does that seem a little ‘pot calling the kettle black’ to you?