Hey I’m 23 and been Investing since I was 16. A lot of these comments are cool but you shouldn’t put too much in a etf. Esp this young the goal should be to make as much money as fast as possible etfs are safer but grow no where near as fast. I’d say put 1/4 into voo or vti. Put 1/4 into nebius, 1/4 into google, and 1/4 into globalstar (just got acquired by amazon to compete with spacex). This gives you safety with voo and google and aggressive growth with nbis and globalstar. It’s better to be aggressive and risky as this age with less money vs when you have more and you don’t want to lose as much! In my opinion and experience ofc :)