I've just turned 18 and I've been interested in the world of finance and investing for a long time, trying to digest as much information as possible so that I will be ready to quickly take action when I'm finally able to start my journey. But now that the time has finally come, I really am hesitant.
I've seen lots and lots of different approaches with so many good arguments and counter-arguments, and so my question is should I follow the usual advice and just "VT and chill", or should I change something up, like tilting towards the US more, or picking individual stocks or other ETFs that specialize in factor investing(growth, value, etc.) since I'm only 18 and therefore I can be more open to risks?
To be noted that I live in Romania, so some things like tax laws could be different, and that I currently have a really small budget, of let's say about 100 euro per month.