Yes in fact I do have a plan. This is a topic I'm rather passionate about since I'm a business consultant & have helped quite a few friends with investments in my personal life outside work. I'm not a day-trader or anything like that, i'm not gonna hype up some penny stock that I think is about to explode....but I truly enjoy helping people dip their toe into building a financial safety net. About 6 years ago (this may have changed since) I read that 40% of Americans don't have enough money saved to cover their next month's worth of expenses. That scares the shit out of me, and when I think about how many people I know who are already in their 20's without any assets makes my chest tighten up. It's not hard to get started, and help is out there from people like me. The issue is that so many people don't even have that first few hundred dollars to get started. I'm not pointing the finger at them or anything. Being that close to zero or even in debt really changes your priorities I suppose.
I can't tell you what to invest in because at the end of the day it is gambling and I don't want to be responsible for leading people into losing money. What I will tell you is that utilities/bonds represent the safest end of the spectrum. Penny stocks/developing markets/cryptocurrency are what I would consider the high-risk end. I know it can be really difficult to set money aside (much less lock it away in an investment) when you're young, but I do have a reason for pushing people a bit. Compound interest. For the average investor, $1 USD invested at age 20 is worth roughly $3 USD at age 62. In your 20's, your dollars are worth almost 3. Sure, you might be shopping at the Dollar Store, but triple that bill and that's how much money you'd have as an old fart if you had invested! Is it more worth it to spend and have fun when you're young? Not planning of having kids or an heir? Plenty of things affect the strength of my argument.
The reason I said it's not hard to do is because plenty of "robo-investors" exist now. Personally, I use Wealthfront (i can give a referral link to anyone who wants one. We both get more $ managed with no fee) but others use Betterment (almost the same as Wealthfront. Some years they do better some years they do worse) or God forbid Acorns / Robin Hood. These are investment websites/software where you set how much risk you are willing to accept and it manages all the rest for you.