If you had the money to retire at 30, your savings would be invested and on an average year your earnings would cover your expenses. You would have health insurance, so no worries there. The only catch is that you would have to keep your expenses at 65% of what you spend right now. Would you take it, or would you rather work a few more years for a better lifestyle and financial security?
Every investment is a gamble is you read terms of service, it’s hidden behind this fancy word called speculation. Bank guarantee nothing to return. You recommended some financial products that you have no idea how they work. ETFs are just money machines for bankers to get double commission from selling stocks of companies you can’t afford to hedge with real stocks and get your dividend and votes. Sometimes even to fuck you up if that’s their business strategy. You buy index so you buy nothing of value, moreover you give a knife to banker so he can stab you whenever he wants. That’s even more stupid than buying company stocks. Read more kid, I know exactly how this shit works.