I think the area to cultivate is the offerings with the company 401k type program. Beyond that you have IRA options, 529 for any kids, ‘health savings accts’, then more mundane insurance & the like.

If so inclined one can dabble with individual stocks, sectors funds, whatever.

Everyone is different. I like to ‘split the baby’, so to speak. No sense saving everything for the old folks home when your 82, or dividing it up in divorce court.