December of senior year is really late to be making a college list! Have you applied anywhere?
“Tier” of school doesn’t matter. What matters is a strong department in your major, an environment where you will feel at home, a price tag you can afford, and (especially this late in the game) admissions likely. The majority of your list should admit 50% or more of students. If you have time for a reach application later, fine, but you need applications finished to a good base list of schools first. Low admissions-rate schools are often even lower admissions rate when you realize a lot of slots save already been promised to athletic recruits and early decision applicants. You need to hunt for easy admissions first, then reach if you have time, because time is short.
Pick 1 or 2 in-state public U's to apply to, possibly more if your state U's are super-selective like California's. The applications are usually straightforward and your high school will have lots of experience working with them to get any extra materials needed sent. Get those applications in and make sure you're going somewhere.
Write a common app essay and search on the common app for schools still accepting applications. Research schools in detail: do you want large/small school environment, any particular EC's available for your free time, winter weather, etc?
Make very sure with your parents that "money is not an issue." Sometimes it becomes one once they see the price tags.