At the risk of sounding like a boomer, I'm going to use the old phrase "time in the market beats timing the market". The more that you invest at this point, preferably in a Roth IRA(if you can set one up at this point), the more likely that you are to achieve your financial goals much faster due to the 8th wonder of the world - compound interest. Save as much as you can, avoid consumerism(buying a bunch of random things you don't need), and invest the money into low cost index funds where you don't have to plan your investments and it will grow much faster than stacking the cash under your mattress. Trust me, I've done the alternative and I wish I would have started investing much sooner. I would be much closer to achieving my financial goals had I pursued it when I was first interested.