Looking for some advice or suggestions to change my current assets
Currently have:
- $18,000 in HYSA at 3.9% APY but with an additional percent from a referral until may 2nd. So 4.9% APY until may.
- $3,800 in a Roth IRA fully invested in VTI, looking to maximize contributions for 2024.
- $2,650 in checkings account. I have a gf and various random expenses as a college student so I try to keep some liquid.
Here's where I'm at. Once my referral period is over, I plan to move some of my money outside of my hysa to put into my Roth. I plan on going all in on VTI but I was wondering if there was something else I should invest in.
I was also looking into DCA'ing into crypto just into BTC, as I work a part time job and I'm willing to take risk at a young age.
What should I be investing in if I am willing to take on some risk? Should I open a normal brokerage account as well?
also I don't plan on taking on debt from college. I also have an internship for this summer where I will be making a decent amount of money. So I have a consistent stream of income coming in.
Please let me know what I should do/change. Anything helps!