[Lizardking95]

Hi there, I’m very new to the system. Looking for tips. Thanks

[Fartmaniac]

Invest beginning when you're 25 into mutual funds. A set amount each pay period. Even if the stock market shits the bed. Keep pumping money in. If the stock drops from $100 to $50 - then your money is buying you double the shares. Google Dollar Cost Averaging. Also, diversify your investments. Gold is fine, real estate that's not in a shit town is fine, mutual funds are great.
Regarding fancy things to spend money on. Invest only in non-depreciating assets. Such as houses, land. Don't dump a lot of money into a car. It will disappear in 10 years, along with your money. Always use a condom. Don't get married. If you do get married, be committed. Don't cheat on your wife. Pay your taxes. Be kind to others. Karma is real. Best wishes even though this is not what you were looking for.