25M — own a house, steady income, starting school (GI Bill), but unsure what my next moves should be

I’m 25 and feel like I’m in a weird in-between stage of life.

Financially, I’m in a pretty solid spot. I make about $4,000/month (untaxed), and I own a house with a ~$2,700 mortgage. I have two roommates paying $1,000 each, so my housing is mostly covered.

I’ve also got about $10k saved and a 644 credit score (recently refinanced my home).

On top of that, I’m starting massage therapy school in June, which is fully covered, and I’ll be getting about $2,400/month through the GI Bill while I’m in school.

So overall, I’m not stressed about money—but I also feel like I’m not optimizing anything or making the smartest moves either.

I also know this probably isn’t the best mindset, but being in this position has kind of made me feel like I don’t really need to work harder right now, which I think might be part of the problem.

Right now I’m trying to figure out:

• What’s the best way to use that $10k (invest, save, something else?)
• How to buy a car the smart way (leaning toward a reliable hybrid, but don’t want to make a bad financial decision)

Career-wise, I feel like I’m building something, but still figuring it out.

I teach MMA, which I genuinely enjoy and feel confident in. It’s something I could see myself turning into a bigger opportunity long-term.

Massage therapy feels like a practical skill that could give me another income stream and more flexibility.

Outside of that, life is kind of mixed.

Socially/dating-wise, I don’t feel as dialed in. I’m not looking for anything super serious right now, but I do want to meet people and have fun. I tend to overthink things and can come off awkward sometimes, especially with messaging.

I also have a trip to Thailand coming up in May.

I’m excited for it, but I also don’t want it to just be an “escape” and come back to the same lack of direction. I want to feel like I’m actually building momentum in my life.

I guess the best way to put it is:

I’ve built a solid foundation (house, income, savings, teaching something I enjoy, starting school with GI Bill support), but I don’t really know what the smartest next steps are to level up from here.

If you were in my position, what would you focus on next?

• Investing / financial strategy?
• Smart way to buy a car?
• Turning MMA + massage into something bigger income-wise?
• Social/dating confidence?

Would appreciate any advice or perspective.