I would clear any credit card debt first. that itself is about 15% compound return on your money. I wouldnt worry about car loans as that is simple interest and you can probably make up for it in the stock market. Mortgage is individual preference. Then the remaining, ideally would be split into four parts. One part - Dividend stocks split between aristocrat dividend stocks and high dividend stocks. Second part - ETFs with predictable returns. Third part - REIT ( a mix of exchange traded and private like Fundrise) and finally the fourth part - maximize returns (crypto, meme stocks, Options, growth stocks, OTC etc.)