I think it’d be best for me to steer clear of any investing opportunities until i am like 25-30

I’m pretty dumb. And I lack the real world experience to make a sound decision, especially when throwing around thousands of dollars. So I will let most of what I earn cook in a index fund till my brain develops more and i have a more realistic view on how the world works. I don’t see why that should stop me from learning about these things though.