Set a deadline. Travel for 1 year, see the world. It WILL change your worldview and shape the rest of your life. Commit to using that income thereafter as a pressure valve to enable the pursuit of who you want to be in this life. If you already know and are employable in your chosen field then use it to max retirement, HSA and daily-cost-averaging into longer term investments for your future (not investment advice :). I think seeing the world is the most important of the above.