The best investment at your age is in training/education to improve your take home pay or ability to relocate. Fuck retirement savings, you have to eat for 30+ years to get there first. Invest in yourself, not in the fucking casino controlled by billionaires that is the stock market.

My wife made a career swap 5 years ago after getting a master’s degree. We used our retirement savings to pay for the schooling because the ROI was under 1 year.