I've followed all the basics - emergency fund, pension plan, Roth IRA, taxable brokerage account, etc

Now I'm looking at "what comes next" - all individual growth stocks are so overvalued as to make fundamental analysis meaningless, real estate is inaccessible at my income level, and alternatives like gold, crypto, et al, don't pass the smell test of beating basic index funds.

Bogleheads would say that's a feature, not a bug - there is no beating a market.

But is there really nothing more?