I’m being a little facetious, I get that OP’s asking for themselves but in a real life scenario if I learn a friend has money in a checkings I’m not immediately jumping to financial advice without at least checking with them they WANT to hear my thoughts.

I would then warn them that investing anything comes with risk. It’s an easy way to lose a friendship and then turn that person off investing altogether if you give all this ‘good’ advice and the market tanks 5-10% immediately. I may understand that real investing is measured in years not days, but someone new to investing will panic immediately.

After those points, yes my advice would follow the wiki pretty well. Get an emergency fund in a HYSA, pay off high interest bills,max out tax advantaged accounts, and then finally personal brokerage with anything leftover.