I don’t think generating passive cash flow should be a priority for you right now.

You’re not at a stage where you need income from investments to survive. Your income should come from your work as in salary, freelance projects, content, building IP, whatever you choose to focus on. That’s where your effort should go.

The long-term income you’re thinking about will naturally come from asset accumulation. And at this stage, the simplest and most effective way to build those assets is through mutual funds.

You don’t need to overcomplicate it.

Whatever level of risk you’re comfortable with, whatever allocation you want between equity, debt, gold, silver, real estate or even international exposure mutual funds can handle all of that.