Mate have a look around the site for some thoughts on this. A lot of people have asked similar questions already.

In summary – I think if you have no cash flow you should spend this time building up knowledge in markets and a wealth generating strategy. Boring I know… Once you graduate and work, start investing this capital with your given strategy.

With no cash flows, lending is super dangerous. Invest what you have now and get a small snowball (some compounding) building, and then be patient if you don’t have much spare capital – don’t force it.

And remember you are 21 – Free capital should be pumped into Double Brown Yardy’s, powerades on Sunday, junk food, events, travel or whatever else floats your boat. Investing is pretty boring compared to the life of a 21yr old.