Hi!

As far as I know, I have no money invested, but I want what I have to start "working for me". I just spent about an hour or two reading Mr. Money Mustache, and I thought there was a lot of good stuff in there. There are a lot of mutual funds out there (I'm thinking of going with something from Vanguard, but I'm open to suggestions), but I also read that it may be a good idea to buy multiple mutual funds (I'm going with mutual funds over ETFs because I'll be making frequent investments).

If mutual funds are already collections of stocks (as I understand them), is it really worth it to buy multiple?

If so, what ratios should I buy them in? Is there something "ideal"?

Would it be better to go with a "robo-adviser" service like Wealthfront or Betterment instead? What's the difference?

I probably shouldn't worry about the fine details about what I've mentioned so far because it probably won't make a huge difference, but it still seems like I should have this ironed out and be informed before I make any big decisions.

Lastly, and perhaps most importantly, I don't want my money supporting companies I largely don't agree with, like Exxon. Do funds exist that exclude companies like this? Can I buy a mutual fund minus some stocks? If so, would that be not diversified enough?

Thanks!