u/4RMANSKI

Hello to whoever is reading this

Im 21 in college, I have about 12k in the stock market (tech) and about 9.1k in (VOO) in my roth ira. I have roughly about 45k in free cash, live with my parents, they support me, and don’t have anything to pay besides a 400$ car payment. My question is how much of my free cash should I invest if I’m risky and am willing to hold on for a long while. Also is it smart to put my money in lets say a ETF in a regular brokerage account and sell whenever i need (lets say 5 years). I just feel like it’s useless having that much cash just sitting if I’m doing nothing with it.

What do you recommend let me know. Thanks!

Im 21 applying to dental school Fall 2026

Im taking my DAT Late July, Early August

TOTAL GPA 3.8
SCIENCE GPA 3.7

2+ Years of work experience as a dental assistant working hands on with a general dentist and a oral surgeon, i have my xray certification and my infection control certification.

200 hours of hospital volunteering

I need to add some community service hours.

Im applying in California im worried that im taking the DAT late. I know my academics and hours in work hold up if i put my DAT score as pending, but how much will i be affected if i take the DAT late? My advisor said that my application will do well on its own because of my grades and work hours. What do you think will I be hit hard because of my late DAT scores? Share your experiences with me, Thanks!