>HYSA >passive income You don't know what you're talking about. Throw the $20k into a CC ETF that has upside participation and reinvest the distributions into a dividend growth ETF. Get a job and live off the income while the investment grows. You are deluding yourself if you think you can go from NEET to retirement with that little capital to start with.
>>60570636 (OP) Not many are worth it, I gave up on that a bit, I prefer to just spend my time seeing what crap I can find in dextools besides frogs or my integrity dao, If you really wanted to retire, you should have been born to rich parents