How do you guys invest?

Hey all,

I'm just curious how my fellow medical professionals do their investments. I'm relatively a new doc and new to investing. Any opinions, criticisms, or advice are appreciated!

I have no mortgage, lots of student loans, no 401k (may start next year), no HSA (not eligible). I started Roth IRA last year. I plan to maybe jump into real estate in the future or another side hustle for passive income.

To start, what do you guys think is the best way to invest in stocks? It seems like everyone has different opinions on this and I'd like some opinions! I'm currently invested in FXAIX, QQQ, SCHD, VTI, and some single stocks. Is this over-diversified? I hear the best is either FXAIX all-in or QQQ + SCHD. I am looking for a long term. I can put about 4k a month.

My student loans are still under deferment and the average interest is about 5%. I plan to do PAYE for the time being. I am planning to pay off the highest-interest loans first under IDR then switch back to a 10-year payment plan.

Any words of advice, tips, and/or tricks would be greatly appreciated!

Thank you all in advance