$250k net worth at 21

Gotta have minimum high 7 low 8 figures by then broski. Better get your money up.

Just put it in some index funds, maybe even stage it over time...don't try to do anything fancy with most of it. Maybe carve out some for stock picking or other investments. Keep it simple.

Compares badly to my 1.5M (Inherited) 

Now that all the jokes are aside - this is exceptional. Even if you just put this in the S&P with a 6% return, you're looking at over $2.5M by 60. I had a net worth of $1.38 at age 21 (not an exaggeration - I still have the screenshot on my phone...had to pay for college myself, and luckily with scholarship and food service jobs I was able to keep my net worth from turning negative, now I'm sitting at nearly $700k at age 28), so you're well ahead of the curve.

What did you do to achieve that?

was at about half of that NW when i turned 21. im 22 now and essentially doubled thanks in large part to the markets so not in a very different boat than you,

without knowing anything about your situation except the $ figure, i think the best general advice is to start prioritizing your investments accordingly.

max out roth ira contributions and if employed consider aggresively contributing to your 401k plan since you have good savings already (unless you need that extra cash flow)

try to keep only liquidity you need based on a budget you make for yourself, keep everything else invested.

if you’re in a regulated position and can’t hold single name stocks, consider crypto if you absolutely need to scratch that itch for outsized returns

Wow, $250k net worth at 21 is impressive! Congratulations on building that so early. 🎉

A few thoughts / tips:

• Diversify your portfolio: mix of stocks, ETFs, and some safer assets can reduce risk.
• Consider long-term growth: compound interest is your best friend at this age.
• Keep an emergency fund separate to cover unexpected expenses without touching investments.
• Learn continuously: understanding personal finance and investment strategies now will pay off hugely later.

Curious: are you mostly in equities, cash, or other investments? It would help others give more tailored advice.

Congrats, what an insane accomplishment. Just a reminder for readers that there’s always someone doing better than you and not to get sucked into envy.

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