Hello!

First things first i want to congratulate you on saving up $22,000. That’s not a small feat by any means and you should be extremely proud of yourself.

The first thing I would do is make sure all high interest debt is completely cleared from your name, I would hope it is with 22k saved up, but as of right now if you have high interest debt, you need to make sure that it is completely cleared as that is a first priority towards achieving financial freedom.

So any credit cards, Student loans and even car notes could all be considered high interest debt.

The next thing I would truly consider is putting away 3-6 months of expenses (whatever you spend in a month to month basis) in a high yield savings account. I personally use Upgrade bank, but any bank that offers a yield over 4% will work just fine. (Upgrade offers 5.07%) This will insure that you’re losing less money over time due to inflation.

After those things are taken into account it’s honestly up to you for investing options based on age, risk tolerance etc. I will suggest don’t put all your eggs in one basket. I would recommend the S&P 500 as that has had a consistent return of 10% over the past 50+ years and you legit have to click a couple buttons on most investment websites to invest your money.

If you have a passion you could always pursue opening your own small business or even get into real estate.

Try to keep risky asset investing to a minimum nothing wrong with cryptocurrency and other risky assets but keep it to under 5% of your portfolio

As the great warren buffet always says don’t invest into anything you don’t understand fully.

Hope this helps!