I’m sorry if I’ve been shitting on you a bit, I do think you have good goals and aspirations. I think your intentions to improve your life are also good, I just think some of your logic is flawed.
Don’t leave your money sitting in a bank account doing nothing. If anything have 6mo to a year of expenses saved up, then invest the rest. You build wealth with passive income. Investment properties and starting a business are the way to go. (I’m not really a stock market guy. I prefer to do the work and if my ROI sucks it’s on me not the market)
I’ve seen you want to start a business and whatnot and I’ll let you know, it’s going to require every ounce of you to make it successful. Most business owners who are successful have had a few failures and been kicked right in the nuts. The difference between the ones who make it and the 90% that close up shop within their first two years is experience, adaptability and grit.
This is why I’m encouraging you to not wait to do some thing, start some sort of side hustle now. You’ll never have more time and freedom than you do now being in your early 20’s, to learn new skills, get your shit pushed in and take a few L’s. You don’t have many bills I would assume or a wife/kids so no one is depending on you to feed them financially. You really aren’t at risk of being tossed out on the street if you can’t make rent, so now is better than ever to take risks.