Offer your insights or judgment on the input financial query or topic using your financial expertise. Reply as normal question answering

Does this plan make any sense for early 20s investments?
I would wait, and invest that money in a Roth IRA. Because taxes are paid on the contributions to a Roth IRA, you can withdraw the contributions at any time, tax and penalty-free. In addition, you can withdraw contributions and earning to purchase your first home.