I would strongly recommend you do your best in your 20s to never rethink the following framework.

Save at least 30% of your salary every year, first via 401k, then via IRA, then via brokerage. Save all of your bonus. Put 100% of your savings, other than 3 months of cash burn that you keep in checking, into whatever total world stock index fund you want - VT is popular. Don't fuck with anything else - it's really not worth the effort.

Everything above that, spend and enjoy. Models and bottles, Vegas trips, get an apartment you love and impresses dates, etc.

Then most importantly, do not suck at work. You've run DCFs so you know that if I were valuing you, would I really give a shit about the $40K in cash? Even the money you are making now is kind of irre in that same vein.