The best place to invest your money in your early 20’s is in yourself. Develop yourself through skills and tutorial sessions.
Learn new skills, grow your mind.
You are young, capable and have time to spare; there is no money in the entire world that can match this privilege.
Use that time to invest in yourself.
Discover hidden talents and visit places.
You can invest your money in some udemy courses to help you develop yourself.
A digital marketing course can go for as low as N5000 on udemy and you also get certified for it.