 &gt;Now inverse what you were doing before

* Save a modest emergency account

* Pay off high interest debt

* increase emergency account to cover at least 6 - 12 months expenses

* Max out 401K contributions

* Max out IRA contributions

* Invest 15% - 25%  in mutual funds over medium/long term periods (10 - 30 years) 

* Invest in yourself and your own marketable skills in order to increase income in the future

* Go to the gym and eat better to live a fuller, more healthy life, for longer.

* Do literally anything besides taking a shit and using your wallet to wipe your ass because anything will provide more value that gambling on options with no knowledge because at least you will obtain something with your money that has intrinsic or perceived value.