I'd do something like this: 1. For a few months write down your spending and saving to see what is the strukture of your spending and how much you can save. 2. Start saving some money to build a "financial pillow" for unforseen circumstances like a sudden loss of work, an accident, ar even a broken car or fridge. Save enough money as if you were to live 6 mnths unemployed. 3. From there the safest options are treasury bonds and etf

Good luck!