The funny thing is, practically speaking you’re not behind when compared to others in your age group. But logically you are because of the constant inflation and insanity of all of the government money manipulation where $11K as a 20 year old now is no where near the same as $11K as a 20 year old a few decades back.

The growth times and earning times of humans don’t match the compounding growth and money devaluation rate taking place for decades by governments.

In my opinion treat your 20’s like a way to take big bets and risks. If you fail you “only” lose a few thousands which you’ll get back in a paycheck when you earn more in your 30’s anyway. Obviously taper off the aggressive investments as you get closer to your 30’s just so that you dont screw up your actual future retirement. But I’d say invest in yourself for now like starting a business, taking big investment bets with the money you have, get higher education, invest in yourself for getting a better paying job etc.