To allocate 20K 30% $FTWG 30% $TDIV 15% $WINC 15% $LDGL 10% project OWN etf (find your own dividend/growth stocks)
This is the “perfect” balance between income and driven growth, and gives you the time to make mistakes and learn from your “own” etf project by picking stocks on your own (like Main Street Capital/ Hercules Captial and so on)