I'm also in favour of getting rid of covered calls. Instead I'd suggest you do a custom combination of VIGI, VYM, VT and VOO. If you want individual stocks, i have BRK.B, BLK and BX. But those are in reality basically ETFs as well... But its up to you. If you are young (younger than 25) and adventurous, I'd suggest that this is the time to go wild. Buy crypto, individual stocks, meme stonks, options... Nothing wrong about that as long as you know the risks involved. You'll either win big or lose relatively small (at this point you don't have much) and get a great lesson that should make you a much better investor in the future. After 25, its time to calm down and start to build a long term and stable wealth.