I would recommend real-estate. Investment property. If you got the credit? Then buy a small rental house. Have renters make the mortgage payment. Especially if you are handy with home repairs and maintenance. After 5 year. Use equity as collateral to buy a 2nd property.
More millionaires are made by real-estate than any other process.
And that is exactly why there is a “housing shortage “ ! Tax structure to encourage wealthy to gobble up all the housing then rape the young , elderly and lower income families !
There are hundreds of empty rental houses here in Boise that they would rather have sit empty rather than lower the rent . Also pushed the price of buying to the point that if you make less than 100k you aint buying a house … even a 900 sq ft fixer upper !