@Liam Since you’re only 22 and have plenty of time on your side, keeping things simple is honestly the best move. A really solid "set-it-and-forget-it" mix could look like this:

60% VTI: This covers the entire U.S. market for long-term growth. 20% VXUS: This gives you international exposure, so you aren't just betting on one country. 10% BND: A small slice of bonds to act as a stabilizer. 10% SCHD: This adds some steady dividend income to the mix.

These are all low-cost and super easy to manage. At your age, the goal is to let long-term compounding work its magic without getting distracted by all the daily market noise.

To grow your business online, target your audience and engage with them through Facebook and Instagram ads. Make eye-catching designs through Canva and also set up a basic web business using Shopify or Wix. Track the preferences of consumers and market trends and then deliver your product accordingly. And most importantly, quick shipping and good customer service can make or break the business so work on this factor.