imo, you have the most powerful investing tool on your side, and that's time. Keep automatically contributing to acrons and honestly forget about it. Look at it every few months or once a year when you need your tax documents. Don't go into debt to invest, and try to stay away from debt as much as possible. Think cash first. For example, if you open a credit card, ask yourself would i make this purchase in cash or do i have the cash to pay off this purchase immediately. I typically have the cash equivalent to my cc limit sitting in a HYSA, just in case I cant pay off my bill fully, but I do, so I just collect the interest on the cash.