I hit a $200,000 net worth at 21 while still in college, and in this video I break down my exact portfolio and the simple system I’m using to grow it long-term. The big context piece: I have a massive advantage because my parents have covered my college and living expenses, which means I’ve been able to save basically every dollar I’ve made from social media and put it toward my goals and businesses. I’m super aware that this isn’t “normal,” but I still think the structure is copyable. My setup is straightforward. I keep $10K–$20K in raw cash for peace of mind and flexibility (even if it’s not the “optimal” move), plus another $30K in a money market/high-yield savings style bucket for fast liquidity—basically my 3–6 month emergency runway. After that, I max out my tax-advantaged retirement accounts and put 100% of those contributions into VTSAX (simple, standard, trusted). Then everything else goes into a taxable brokerage at a 95/5 split: 95% in VTI (tax-efficient broad market) and 5% in speculative bets like Bitcoin and even a sealed Pokémon box—because I’d rather cap the “gambler” impulse than let it leak into my real strategy.