re: What is next step? Have a Savings Account, Simple IRA/401K

I'd split between 3-4 type investments, and focus right now on the conservative end until you have a decent balance built up. Once the account is set up, they should give you the option on how you want it diversified. Then you just make deposits to the account, and they do the rest.

I think when I started mine with Vanguard I set mine at around 40% muni bonds, 30% etf's, and 30% low interest something or other. I'd have to check. I changed them around a little more aggressively a few years ago, and haven't really touched it since other than contributions.