Build up the “FIRE” fund
We use lots of technical terminology in this business. This isn’t some sort of new-fangled retirement vehicle or index fund. Financial Independence > Retire Early, or FIRE funds are about saving and investing so you can take control.
It’s for when you need to take control, and manage through a rainy day, not some complicated bond or mutual fund.
It’s “just in case” money to bridge you through unexpected life changes to enable you to make good choices for yourself and your future.
Lose the horrible job.
Lose the horrible roommate.
Lose the horrible fiancé(e).
Lose them all at once if you must.
But save up first.