Do you have a 401k?

If you do have a 401k available at your company, I hope you're taking full advantage of it. The obvious benefits are pre-tax contributions and perhaps some employer matching.
The not-so-obvious benefits are dollar cost averaging and the encouragement to invest your money, in turn, forcing you to budget and be disciplined with what remains of your paycheck.
It's absolutely true that establishing your contribution amounts and leaving them be is the status quo and most advisable. However, we like to adjust contributions according to the markets so here's a synopsis of the last year's contributions and the proportions:

2/9/18 – 7/27/18: 100% GOLD contribution

7/27/18 – 10/5/18:  50% GOLD, 25 EuroPacific, 25 Emerging Markets

10/19/18 -  12/31/18: 25% GOLD, 25 Europacific, 25 US Small Cap, 25 US Mid Cap

1/11/19 - present: 35% US Small Cap, 35 US Mid Cap, 30 EuroPacific