I would like to know how did it turn out with original post 8 years later. The best practical advise is probably follow Dave Ramsey's advise, get out of deb and invest. It is not hard to become a net worth millionaire, in face it is much easier than you would think.
Hope things worked out for the OP and if they didn't and he's now 28 there still is plenty of time to start building wealth.
Well damn... Doesn't mean he any money that doesn't go up his nose he can't make some sound investments.
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If OP had bought S&P Index when this thread began he'd have 50~ grand. If OP had bought Bitcoin when this thread began he'd have 1.3MM.
It was my go to throughout my entire investing life. Now I use it as more of a checking account, my savings is elsewhere.