hot take but I don’t think ppl in their teens / early 20’s should care about saving money. You should reinvest it all into upskilling yourself. No ETF is going to give you a better return than the wealth you’ll create when you become highly skilled.
where to spend your money, instead of saving it:
- funding your startup
- learning: books, courses, tutors
- health: high quality food, gym, PT
- time: cleaners, uber, meal delivery, a home at a convenient location
- productivity: high quality chair, desk, monitors, laptop
- openai bills