If I were to have my first $10,000 again to invest, this is exactly how I would invest it.

If I were to have my first $10,000 again to invest, this is exactly how I would invest it. I started saving from a young age, around like 15 or 16, and I started investing around 18 years old, and now I have over a six-figure portfolio at 22. I'm kind of like gung-ho about financial literacy, so I want to teach as many people as possible how to start investing early because the effect of compound interest is insane. First, you're going to allocate 70% of this to an ETF, which is just a broad basket of stocks that you buy all at once. I would recommend either VOO or VTI. VOO tracks the top 500 companies, and VTI is a little bit broader. It includes mid-cap and small-cap companies as well. So, this is literally set and forget core. You are not going to be tracking this. This is a long-term hold, and this is historically the best way to generate wealth over time. The effect of compound interest and continuing to contribute to this every single year is undeniable, and you will be lucky if you can start earlier. Next, to add more resilience to your portfolio, I would recommend allocating 20% to international stocks. And again, you're going to want to do ETFs for this. A good ETF is VXUS. This ETF covers small, mid, and large-cap companies outside the US. This is good for when the US ain't doing too well, so you want to have a broader diversification of your assets. So, the last 10% is optional. You can either put that into VOO or the international stocks if you want, but I think it's good to do your own research and pick single stocks that you would want to invest in. This part does require some research, but if you believe in something like gold or Tesla, something that's well-backed and that you believe in personally, I would recommend allocating your last 10% to this. This is the riskiest option because a lot of people just choose random stocks based on hype on Reddit, and it just goes haywire. So, I would say only invest in this category if you're okay with losing that money for the time being. 90% of your income is put into quite safe compounding machines, essentially, and the 10% that you chose yourself, based on how well you did your research, it could return even higher than those average ETF rates. So, good luck and happy investing.