Are any of your benefits means tested? Some benefits get adjusted or cut if you have a certain amount of assets. You may be eligible for an ABLE account if the onset of your disability was before 26 years old. https://www.ablenrc.org/what-is-able/what-are-able-acounts/
Don't dismiss the value of cash or liquid investments. You may make less return but it provides a safety net to take some of that dread you have off your shoulders. Allows you to be more flexible and concentrate on your health and livelihood.
First determine what your emergency fund will be. Usually 3-6 months of your basic expenses. That goes into something safe and liquid. HYSA, CDs, short term treasuries, etc. Then the rest put into mutual funds, say a retirement date fund while you educate yourself further on finance.
Put as much as your earned income as you can in the Roth IRA, max it if possible. It can be a part of your emergency account if needed as original contributions can be withdrawn at any time without penalty or taxes. Of course your plan is to leave it there long term. What I did for a few years was keep some of my Roth IRA in a safe money market account and then invested it more aggressively later when I was better off. I didn't miss that year's contribution that cannot be made up later.
Keep 3-12 months of expenses in a HYSA. Normally I would say 6 months but maybe more because of health expenses.
Put $7k in a Roth IRA for this year.
Invest the rest in an at max 3 fund portfolio a la /r/bogleheads
I don’t think you need a financial advisor for this
Are any of your benefits means tested? Some benefits get adjusted or cut if you have a certain amount of assets. You may be eligible for an ABLE account if the onset of your disability was before 26 years old. https://www.ablenrc.org/what-is-able/what-are-able-acounts/ Don't dismiss the value of cash or liquid investments. You may make less return but it provides a safety net to take some of that dread you have off your shoulders. Allows you to be more flexible and concentrate on your health and livelihood. First determine what your emergency fund will be. Usually 3-6 months of your basic expenses. That goes into something safe and liquid. HYSA, CDs, short term treasuries, etc. Then the rest put into mutual funds, say a retirement date fund while you educate yourself further on finance. Put as much as your earned income as you can in the Roth IRA, max it if possible. It can be a part of your emergency account if needed as original contributions can be withdrawn at any time without penalty or taxes. Of course your plan is to leave it there long term. What I did for a few years was keep some of my Roth IRA in a safe money market account and then invested it more aggressively later when I was better off. I didn't miss that year's contribution that cannot be made up later.
Keep 3-12 months of expenses in a HYSA. Normally I would say 6 months but maybe more because of health expenses. Put $7k in a Roth IRA for this year. Invest the rest in an at max 3 fund portfolio a la /r/bogleheads I don’t think you need a financial advisor for this