I have to say that I vehemently disagree with all the people on here telling you to sit on all your cash. All I did was take risks, have fun, and drive myself into credit card debt whilst in my 20s (well, that and study my ass off in every free minute of my life). Now that I'm in my 30s I have a luxury car, a well appointed house with a nice chunk of land, my dream job, an awesome wife who also has her dream job, and frankly, things couldn't be better. If I would've taken the easy route, which was to stick with my engineering degree and do it the safe way, I would probably have none of these things. I'd be comfortable and miserable, instead of living the dream. I say take as many risks as you can, if the reward seems high enough. Fuck safety.