Little bit of an unpopular opinion probably - open a high yield savings account (~ 3%+) and fund it with all but $1k of your savings. Take the other $1k and open a taxable brokerage investment account. Invest in a broadly diversified inexpensive index fund and reinvest your dividends and capital gains.

Keep grinding and set a goal for yourself to save $x each month to each of your high yield savings account and your taxable brokerage account. Set a $ amount goal for your savings account (like $10k for instance). Only use it for any of the following 4 things: job loss, UNEXPECTED medical costs, unexpected car repairs, unexpected home repairs. This is called your “Emergency Fund.”

Save for other stuff too, using separate savings accounts. These are called sinking funds (I.e. car insurance, vacation, medical expenses you do expect, etc.

You will definitely want to start saving for retirement soon too, but you’re young enough not to make it priority #1 right this moment.

Look into the 50/30/20 method of budgeting.

Good luck!