Skin care routine help

Last night I half posted and gave you guys zero information so I decided to delete and repost in the morning, lol. So I know one of you commented that toner isn’t necessary. I’d also love recommendations on what products you guys use, I just only use cruelty free products so I might not be able to try them all. Also, I have an eye cream I like so I don’t need help with that one.

AM-

Cleanser - right now I use African black soap

Serum - vitamin c and hyaluronic acid ?

Eye cream

Face oil - need recommendations for am

Moisturizer- need recommendations for am

Sunscreen - need recommendations right now I use Sun Bum face if that’s good I’ll stick with it

PM-

Cleanser - same as am

Serum - retinol every other day ?

Eye cream

Face oil - need recommendations for pm

Moisturizer- need recommendations for pm

Weekly-

Exfoliate

Clay mask - Indian clay mask

I am Very new to skin care. Is this the correct order? Should I be applying anything else? Is all that stuff needed? What’s the difference between a serum and an oil? I really want to take my skin care seriously, I’m getting older, don’t take care of it at all and I sleep on my face. I do have a satin pillow case but sometimes I wake up and I’m sleeping on my hand.