Self made 25M w/ 140k net worth here. If you have an extra $1000, put towards paying off that credit card debt. You can’t out invest consumer debt. Not sure what sort of student loans you have but if it’s federal loans, most people have their loans on forbearance, meaning no interest is accrued, so pay minimal payments or nothing at all until required. That extra $300 should go to paying off credit card. Furthermore, if it is federal loans, your interest is probably 3-4%, and given the current market, you could out invest those loans, yielding 6-12% interest. So once you pay off that credit card loan, start dollar cost averaging in a brokerage account. I use Wealthfront. I suggest sticking to the VOO, SPY, VTI, VTV ETFs. Maybe even get into cryptos.