u/Vegetable_Apple8757

Hey everybody, I am currently 21 Years old, and I have 35k in Savings, which 5k are in Schwab, investing mainly in sp500, SWGLX AND SCHD, and then a little of Nvidia and MU.

I have the rest of my money on an account that gives me little to not interests, and I am planning to use that money to start entrepreneurship and/or traveling or a downpayment for a house in my homecountry.

Should I keep that money on savings? or add more capital to investing although I will need to take it off if I want to do what I am planning to do. Maybe allocate some more like 5k more to investing? and do it more aggressively instead of just 100-200 USD per week?

I know it is not a lot of money but I want to be very precautious on how to use it.

Any advice is welcomed.

I have no debts no car payment no anything rather than Rent, Car insurance and maintenance, and groceries, and I can save a decent amount per month (Around 1k)

Hey everybody, I am currently 21 Years old, and I have 35k in Savings, which 5k are in Schwab, investing mainly in sp500, SWGLX AND SCHD, and then a little of Nvidia and MU.

I have the rest of my money on an account that gives me little to not interests, and I am planning to use that money to start entrepreneurship and/or traveling or a downpayment for a house in my homecountry.

Should I keep that money on savings? or add more capital to investing although I will need to take it off if I want to do what I am planning to do. Maybe allocate some more like 5k more to investing? and do it more aggressively instead of just 100-200 USD per week?

I know it is not a lot of money but I want to be very precautious on how to use it.

Any advice is welcomed.

I have no debts no car payment no anything rather than Rent, Car insurance and maintenance, and groceries, and I can save a decent amount per month (Around 1k)

Hey everybody, I am currently 21 Years old, and I have 35k in Savings, which 5k are in Schwab, investing mainly in sp500, SWGLX AND SCHD, and then a little of Nvidia and MU.

I have the rest of my money on an account that gives me little to not interests, and I am planning to use that money to start entrepreneurship and/or traveling or a downpayment for a house in my homecountry.

Should I keep that money on savings? or add more capital to investing although I will need to take it off if I want to do what I am planning to do. Maybe allocate some more like 5k more to investing? and do it more aggressively instead of just 100-200 USD per week?

I know it is not a lot of money but I want to be very precautious on how to use it.

Any advice is welcomed.

I have no debts no car payment no anything rather than Rent, Car insurance and maintenance, and groceries, and I can save a decent amount per month (Around 1k)

I have been stuck for 15 months in the gym, virtually same weights same reps, and I see on TikTok and everywhere people with astonishing physiques, same training time as me, are they all on PEDs, I am training wrong?

Also, how do people manage to improve their whole body? especially things like forearms? how do you get to get better at every single muscle? As spending 6 days in the gym is not the path for muscle gain? and training shouldn’t last more than 1-1.5 hours max, what am I missing?

Currently 21 yrs old, I have been working out consistently for 2 Years now, I gained around 20kg in the first couple of months as I did almost a year of consistent gym but then stopped completely.

• Split: 5-Day Training Split (PPL + 2 variable days).
• Intensity Style: 2 sets per exercise.
• Target: Training to absolute failure on most lifts.
• Cardio: 40-minute Zone 2 fasted runs (5km).
Pull Day (Back & Biceps)
• Lat Pulldown: 1 x 8-10 reps, 1 x 10-12 reps.
• Seated Machine Row (Chest Supported): 2 sets to failure (Focusing on the machine in the photo).
• Smith Machine Shrugs: 3 x 10-13 reps.
• Cable Pullovers: 3 x 10-12 reps.
• Rear Delt Flys: 2 x 10-12 reps.
• Bayesian Curls: 2 x 10-12 reps.
• Preacher Curls: 2 x 10-12 reps.
• Hammer Rope Curls: 2 x 10-12 reps.

Push Day (Chest, Shoulders, Triceps)
• Incline Smith Machine Press: 2 sets (Your primary mover for the last 14 months).
• Overhead Press (Standing): 2 sets (Currently struggling with glute squeeze/nerve tingling).
Dips and tricep extensions
• Lateral Raises: 2-3 sets.
• Tricep Work: 2-3 sets

and then I mix those on the upper day.

I don’t know what to do, my diet is on point and i train hard.