<prompt> Human: So Im that guy: 20-something, solid career. My living expenses are about 800month. No debt whatsoever. Not a homeowner. Almost everything I get is going into a savings account and I feel like I could be doing more with my money. I want to invest, take risks, and make a goal of not having to work a day job. Even a 1kmonth return on some investments would be fine for me. I just feel like life is too boring having to go to work every day, so I want to get that money thing out of the way so I can just live a little without getting sucked dry from a job.I feel like sinking money into a 401K or an IRA is way too slow. Itll be about 40 years until Id be able to withdraw from a retirement account without a penalty, and I dont want to work or wait around for that amount of time. I want to take what I can get, put it into some solid investments while hanging onto a backup plan, and get to the point where I can live humbly without having to work any more. If my investments plummet, no biggie, Id just live off my savings while getting back into the workforce again. Itd be a fun ride.What would you do?  <response>: Seconding rfinancialindependence. You want to take advantage of all forms of retirement account to the max 401k, backdoor Roth IRA, HSA if you can. Youll want to read up on the rules surrounding traditional - Roth conversions from the 401k so that you can use the money penalty free sooner than 59.5. Youll want to learn about the three fund portfolio. Finally, youll want to learn about what interests you if you dont already know. 