I pulled the trigger today and made an IRA account purchase that I feel good about. Four ETFs (VTI, US stock index, 47.5%- AGG, US Bond fund, 25%, VEA, Foreign developed markets, 22.5%- VNQ, REIT index, 5.0%).
All are commission-free ETFs, have low total expense ratios (0.05% - 0.1%), and pay dividends from about 2% - 3%.
In addition, I have a bit of physical precious metals stored away, and cash in an individual trading account that I can use to purchase stocks at discount prices if/when the market corrects.
Now I can think less about investing for a while and focus on something else... like increasing my income.
Thanks again for your input.
Bill