M5 or x5?

If you have a comfortable amount of $ in low risk investments as your foundation, being young means you can afford a few calculated higher risk investments if you’re smart about it. Avoid giving it to friends/family owned new businesses until you’re the nice old guy that can afford to lose it.

If you’re not a finance person, the web has plenty of guides to the basics for young people. Read a few and you’ll notice a theme.