22F, just hit 40k! Any advice?

I have no one to share this with, but I just hit 40k in liquid savings and landed a job recently where I can finally start contributing to an HSA and 401k (I plan to do 6%).

My one issue is that I’m not an American citizen, so I have to be careful when investing (day trading is considered a job I can’t do) and I feel anxious about losing liquidity as I may need money if I have to leave the country.

With my current budget, I’m on track for $100k in 2027, and I know I can get more but I’m scared to enter the market at this point in time. I’m going to open an HYSA asap, but if anyone has other advice, I would appreciate it. Thanks!