If you have $200k as a 23 year old, what would you do with the money now? Any advice

At 23, you’re in a great position because time is on your side. I’d suggest keeping a good portion in a safe emergency fund first, so you have security. After that, think long-term: put money into assets that grow, like index funds or real estate, rather than just spending it on lifestyle upgrades. Even small, consistent investments now can compound into something huge over the years. You can still enjoy part of it for experiences or learning new skills, but make sure the majority works for your future.

Buy Gold bar

T-bill fds.

Whatever you do, don't spend all of it on expenses and use as much of it to buy assets as much as possible.