Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Best way to invest money as a 22 year old?
What is the goal of the money?  If it is to use in the short term, like savings for a car or college, then stick it in the bank and use it for that purpose. If you really want this money to mean something, then in my opinion you have only one choice:  Open a ROTH IRA with something like Vanguard or Fidelity and invest in an index fund.  Then do something that will be very difficult:  Don't touch it. By the time you are 65, it will grow to about 60,000.  However, assuming a 20% tax bracket, the value of that money is really more like 75,000.   Clearly this will not make or break you either way.  The way you live the rest of your life will have far more of an impact.  It will get you started on the right path. BTW this is advice I gave my son who is about your age, and does not earn a ton of money as a state trooper.  Half of his overtime pay goes into a ROTH.  If he lives the rest of his life like he does now, he will be a wealthy man despite making an average income.  No debt, and investing a decent portion of his pay.