I wouldn’t consider those options needing much motivation or research. The key with all of them is investing early and leaving it alone.
I do agree people should call vanguard. But just blindly following steps they give you is unlikely to be productive if you don’t understand why you’re doing those steps. Furthermore, those people who don’t understand _why_ will freak out every time there’s a huge market correction. They get scared - because they don’t understand any of it.
I’m also curious, do they offer financial advice for your accounts outside vanguard? Genuinely curious since i’m unsure.
Replace Vanguard with any other firm but the key is picking low fee ETFs and leaving them alone. Vanguard tends to have a reputation for the lowest fees.