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

Set aside 6-month of emergency fund and invest the rest of your money to a low cost index fund. Keep it simple for a start.

Invest

If I had that amount of money at 23 years old, I would look into buying into these ETFs and share:

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• SPY / SPLG (ETF)
• SCHG (ETF)
• SCHD (ETF)
• BRK.B (Share)

In addition, will do option trades on the ETFs to generate additional cash.

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Cheers

$200k is a lot of money for a 23 year old. I hope it is money you earned by honest means, not through inheritance, given or unethical means.

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If you are looking to set aside money to invest, you are very late into the game. The secular bull market is about to end (I cannot tell you precisely when), but all stars are aligning for a final melt-up before a massive and deep global recession. A lot of people will get sucked into believing that asset prices can go up forever, only to lose all their hard earned money.

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The best and safest approach is to buy SSB and hold for the next 2 years waiting for this massive crash, then cash out your SSB to scoop up valuable assets that pays you handsome income streams.

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I will be looking to sell into strength in this final run and those who doesn't understand economic cycles will be totally destroyed (I see almost everyone here belongs to this group).

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Do consider buying at least 0.1 BTC this month and hold for at least 10 years in a hardware wallet. You will be grateful for this heavenly sent advice.