20 y/o with ~$93k net worth, low income (~$20k/yr) – what should I do with my cash?

Hi everyone, I’ve been wondering how much cash is actually too much, especially when you’re young and have a long time horizon. I’m 20 and have around \~$93k total right now, with about $63k sitting in cash (some in a \~3.3% account and some just in checking), about $24k invested between a Roth IRA and a brokerage, and a small amount in gold. I only make around $20k/year at the moment and don’t have any big expenses coming up like a house or anything.

Part of me feels like I’m being way too conservative holding this much cash, but at the same time I get that having liquidity matters, especially with a lower income. Just curious how other people think about thiswhen does cash start to become excessive, and how do you decide between keeping it vs investing it? Also wondering if people usually prefer to invest a big chunk at once or spread it out over time when they’re sitting on a lot of cash.