HELP. Investing 101.

I know, people told me I need to talk to financial advisor. But could anyone give me some advice about my money situation. Me, 36 new in this country, mother of 2 kids under 3. My income and the father of my children around $130k, I, myself have $30k in checking acc, $30k in cash I want to do something for my kids or myself, something than can help us in the future. Someone told me to buy S&P 500. Should I open 529 for the kids. Some people want to sell me life time insurance… etc

Thank you guys.