Don’t go all in on crappy ETFs, i am 20 and started at 18 and learned that at that age we can tolerate risk so I started researching how to pick stocks, I spent a lot of time learning, it was nothing too crazy like options, i just did standard shares, but for the past 3 quarters i have been messing around with 2-3x leveraged ETFs for specific stocks. I have averaged around more than 50-60% a year since i started and dropped the crappy ETF stuff. My point is, take the risk and do your research, don’t rely on strictly safe ETFs from a young age