Financial literacy is hard because you don't know what you don't know and people are not all that autodidacticy. Reddit r/personalfinance built a flow chart to help people [1] [2]. With that said, once you have found canonical resources [3] [4], it becomes much easier to be educated on how to passively invest.

[1] https://old.reddit.com/r/personalfinance/wiki/commontopics

[2] https://i.imgur.com/lSoUQr2.png

[3] https://en.wikipedia.org/wiki/The_Index_Card

[4] https://www.bogleheads.org/wiki/Getting_started