You should really take a long look at your current situation before considering investing in any kind of market. Consider to look for example; impact of national debt on economic growth, economic growth reduces debt, economic growth decreases debt, economic growth reduces federal debt, and etc. Investing in the future is good, but it is more important to resolve bad or potentially bad situations.
Pull the report of your loan. You should do this once a year. What's on your report and any negative items on your credit report should be clear as soon as possible. First, if you set aside $25,000 to invest, you better clean the credit, but have a bad loan of $25,000! Next, see what you pay out each month and get rid of unnecessary costs.
There is no need for high-interest credit cards, for example. Get rid of them and get them to pay off. If you have high interest loans, pay them off as well. If not, exchange the high-interest card for lower interest and high-interest refinancing credit with less interest-bearing loans. You may need to use some of your investment funds to address these issues, but in the long run you will see that this is the wisest course of action.
Get into a good financial form and then improve your financial position by making sound investments. If your bank balance is always low or you are struggling to pay for your monthly bills, it doesn't make sense to start investing funds. Your investment dollars will be better spent every day to correct the adverse financial problems you experience.
Make sure you learn about different types of investments as you clear up your current financial situation. In this way, you will have the knowledge that you need to make equally solid investments in your future in a financially sound situation.