Assuming you’re in the US. 1. max out your 401k 2. invest in experiences, especially the ones you can do in your 20-30s and won’t be able to do later, eg phys

Assuming you’re in the US. 1. max out your 401k 2. invest in experiences, especially the ones you can do in your 20-30s and won’t be able to do later, eg physical activities. also note that your earnings will grow in the next years, so you can also spend or risk a bit more right now.