Future Planning - What would you do?

Hello! I’m in my 20’s and lucky to be at a fantastic point in my life where I’m not sure where to put money into. I would appreciate any tips or advice!

Some context:

- No bills, mortgage/rent etc.
- 20k savings in 2 years (solo, not incl. partner’s)
- ~4k p/m after tax
- no property (yet - looking for specifics and probably outside of IE, not in a rush!)
- no kids (ever)
- wanting to retire early

I’ve recently been signed up to myfuturefund and I know nothing about pensions (company, private etc.) but I DO know I will need access before my 60’s.

It might sound silly, but I’m also terrified of stocks and crypto after seeing the immediate, intense crashes that happen in today’s heavily influenced market.

With all that in mind, would you have any advice or recommendations? Anything thats not super risky?

Have a wonderful day!