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As a young adult, what can I be doing with my excess income?
I also have approx. £6000 in debt Just a note: you're guaranteed to get a return on whatever debt you pay off quickly.  Even if your debt is only 2%, you get a guaranteed return of 2% - which is higher than most of the savings here in the US (not sure about the UK). You mention saving for a house, which is also a good idea, but with debt, I'd recommend eliminating that if you're paying any interest at all.  This won't be popular to write, but markets are high right now, so even though you may feel that you're missing out, the return on paying off debt is guaranteed; markets aren't.