[liftdd]

I will have personally invested $110k (by 2019) at age 23. All of my retirement accounts (401k, T-IRA, HSA) are invested in ETFs (0.06 expense ratio average) and a few actively managed funds with 20+% returned from 3YR-5YR view.

The rest is invested in individual stocks and high-risk mutual funds. Once I am 30, I will start pumping more into ETFs (stocks and add in bonds).

I absolutely love the advice. Everyone is different but I try to be as risky as possible with at least 40-50% of my portfolio until I am 30.

Two possible changes to my strategy will be if I build a good software product/business that makes more income. I will divert the money put into risky investing and dump it into my products/business. The other change is buying a home ($100-250,000). I want to raise backyard chickens!