Welcome aboard, I see you're literally from the same location as I am.
Figuring it out for yourself is best. Start with FIRECalc: A different kind of retirement calculator
, and if you want to really understand more, this is still the best list if books on investing/personal finance that I know of Investment Books
. IMO you do want to fully understand, otherwise your choices are gambling or an unnecessarily expensive broker/financial advisor.
Best of luck, this site has been a wonderful resource to me, and many others...