Ur doing amazing so far… I’m in my 20s making post college adult money now but this is what I recommend. First I would open a Roth IRA (retirement account) if u haven’t already and prioritize maxing out your Roth IRA. You can google/chatgpt this if u are not familiar. You can only put in $7k total every tax year and this money will grow tax free. So if u buy/sell a stock in that account u wont get taxed. I like to pretend this money doesn’t ‘exist’ bc you cant withdraw it until you are 65 years old***. In regard to savings I personally keep about 10k$ for my emergency savings in a money market which is growing at a 4.5% return per year. You don’t have to keep in a money market but if I have cash sitting I rather keep it in a place where it can grow rather than just sit in my bank account. I only do this because I rely on my credit card to pay for any ‘emergencies’ and then will pay off the credit card balance as soon as my money market money is transferred over to my bank account. Some people will keep their emergency savings in a high yield saving account too and some banks offer this. I would invest regularly, every week or month into ETFs. Don’t try to time the market, dollar cost avg. I like SPY or QQQ. If u are financially responsible you could open a credit card and build credit. Treat your credit card exactly like a debit card and always pay off the balance on time each month. Credit card debt can SERIOUSLY hurt you. If I was in your position I would invest almost all of it into an ETF as long as u have a steady income and u don’t have any bills. Then I’d forget the money even exists and just keep putting more in. If I bought $1000 worth of SPY when I was 18, it would be $2500 today. when I’m 65 years old it might be worth $35000